im glad you brought that up.. I actually did that last night. I didn't want to call my insurance company to ask about my deductible, it took me 2 hours to get up the nerve to do it. My husband told me he would do it, but i said no let me try. So i did, and it was a disaster. I was so confused and asked the lady to repeat it 3 times and then she got irritated with me so I told her Could she please explain it to my husband and he might be able to understand better. She talked to him for about 5 minutes and she told him to apologize to me for getting irritated with me. So even though i had an extreme anxiety attack and was crying uncontrollably We accomplished the goal of getting my question answered.