This whole thing is really low-end.”
I would suspect that somewhere along the line people who really do enroll and pay the first month also give their checking account and/or credit card number and an auto deduct is set up. We’ve dealt with patients who have had cobra and tracking payments and verifying coverage has just been a disaster. Insurance carriers do pretty good with normal and usual but when you make exceptions it can be a real mess.
Anyone would pay for coverage based solely on a phone conversation ranks right up there with those who send their financial information to someone in Nigeria in exchange for sharing their lottery winnings.
Anyone that uses the website...is an idiot.