@Diana_in_Philly, that is great (and sane, lol) advice! I've noticed too with my carrier that it also depends on who I speak to on their helpfulness....which I guess goes for just about anywhere, tbh. The last person I spoke with basically gave verbatim what was already available in the policy documents already available online, but that doesn't mean the next person won't be helpful. I have spoken to great people there before, albeit on different topics.
Thank you!!!