Man, why didn’t I ask this question here a long time ago rather than think I could find it on my own. Now if I can just undo all the junk I did to my settings trying to fix this.
This is exactly what worked for my husband’s Samsung 8 AT&T phone.
Click on the phone (as if to make a call) and click on the three dots, etc etc
The phone was set to ask every time. Once he changed it to AT&T the problem was solved. Thank you @mdisbell!
Click on the phone button as if you were going to make a call, Then select Settings, then look around. Here are the screenshots from a Samsung S10.
Good luck!