Not correct I'm afraid. Yes, the management of subscriptions is outsourced and that company presumably has it's own 'customer services' while the plans service is also managed by a firm which prints them and sends them out but MHS does have people working in house in Customer Services too who ought to sort things out if their agents fall down on the job. Most of the time the arrangement seems to work OK but not always unfortunately and some individuals seem to be a bit unlucky in this respect, not sure why this should be so.
Personally I think some of these services should be kept in house as it reduces the scope for confusion which usually seems to be at the bottom of these situations.
Colin