This is my second response. I went to Apple store and the tech clarified. Her report:
Issue: ➜ Customer states that MMS is not working with android
Steps to Reproduce: ➜ Visually verified issue in store.
➜ Moved customer SIM to known good device and issue persists even with MMS enabled through settings. Notification pops up stating that MMS is not enabled.
Cosmetic Condition: ➜ Minor scratches and scuffs
Proposed Resolution: ➜ Referred customer to carrier for further troubleshooting.
Resolution: Service Referral
Reason: Carrier
Contact Apple Support Case: 102177891247
I chatted as well as called the carrier (TotalbyVerizon) and explained the above. They tried a number of things apparently as I kept turning off my phone and resetting the network, but in the end there was nothing they could do. I didn't have the problem when I was on their $30.00 plan. It started after I upgraded to the $40.00 plan. I asked the last (3rd) person I instant chatted with if I should return to the $30.00 plan and she responded that I could try that. I will wait til this cycle has completed that I've paid for. I will either switch plans near Jan 15 to see if that works, or I will live with the problem until next year, as the Apple tech said something about Apple scheduling a change in 2024 that should alleviate the problem. I didn't follow exactly what she said, so don't remember it.
Thanks for your assistance though.