The problem is not with the companies it is with your husband. If he opened the account as a joint account giving you authorization you would have it. Even if you have a card in your name, you are not a joint applicant and all he has to do is give authorization once and that should cover it for every time you need to speak to them. And, you would not be responsible for the debt if something happened to him because you were only an authorized user on the account.
In most cases, the account can be converted to a joint account solving the problem but the request needs to come from your husband.
Wait until the kids get to school and your doctor's office refuses to fax a document to your home because they might push a wrong digit and accidentally send it elsewhere, which makes oddles of sense as with most fax machines, the number is on a readout before you actually push send, and this is to my home phone number, the same home phone number I have had for 20 years, so how could anyone but me be asking for it. The funny part is that if the school asks, they will fax it to them. Apparently sending personal HIPPA documents to schools is not fraught with the punching in the wrong digit issue.