Question: I enrolled into a health insurance plan, which I knew I would only need for a few months. Now, it would not be ethical to enroll, plan to wait and see if I need any services, and then (if it turns out I didn't need it) just not pay and allow the insurance to be terminated.
What happened to me is that they screwed up the billing. I paid for the first month, but they decided to run a billing cycle starting from the 15th of the month - combined with the fact that I started in December, that raised my premium for what they called "the first month," since now it was half a month in 2017 and half in 2018.
I paid the additional amount, but they kept sending me bills that did not include that payment, and were more than I should be paying.
Numerous calls asking them to fix the issue and send me an accurate bill, back and forth...by the time they finally sent a correct bill, they had terminated my insurance due to lack of payment - when the reason it wasn't paid was because they hadn't sent an accurate bill!
Ethically/morally speaking, should I pay the premiums? I believe they cancel the coverage retroactively, but still...