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From your description, you have no idea what is going on with your account. Of course you don't give much information, so we can't really tell.
First of all, "breaking" a phone would not be covered even if a phone was still under warranty. Warranty covers defects in the phone, not when you "break" the phone.
It appears you have 2 lines of service, now on More Everything with 10 GB of data. The hotspot is included with smartphones with that capability on More Everything. You are not clear if you have 2 smartphones or 1 smartphone and 1 basic phone.
2 smartphones = 2 x $40 = $80 in line access fees.
10 GB of data = $80
Total for the account = $160 + taxes/fees.
If you added insurance, not sure why you would want to do that to a phone you are about ready to replace or why you would let someone talk you into doing so, it appears that is $8 x 2 = $16 bringing your total to $176 + taxes/fees.
If you purchase a smartphone on Edge, you will get a $25 discount on the line access fee for that line but will be mostly if not all or even more by the monthly payment on the phone. Chances are your bill will not change that much when adding an Edge phone to the account.
Of course, if you have 1 smartphone and 1 basic phone, the monthly access fee charge should only be $40 + $20 = $60/month.
