@clessley the issue is that LTE networks were rolled out for data usage while 3G networks remained in use for calls and SMS, but now, US carriers are dropping support for 3G networks (T-Mobile 01/2021, AT&T 02/2022), and thereby phones which use circuit-switched fallback.
Early LTE devices have used LTE frequency bands for data transfer, but "fall back" to 3G UMTS frequency bands for calls and SMS. This was provisioned for since LTE doesn't support circuit-switched calls, and this is why you can't use data on older phones while making a call.
I've used a Nexus 5 since last September, but it got water-damaged so I bought a Oneplus One. When I switched SIM cards, my AT&T account got suspended: they have done this since January as part of a phase-out leading up to 02/2022.
I believe the solution is to purchase a phone which is compliant with LTE Category 6, or above, since it will use the IMS services necessary for supporting VoLTE (T-Mobile) and HD Voice (AT&T).