Unintelligible grunting works too. After a few "I'm sorry, I didn't get that" it always transfers me to a human.
The most annoying part of the experience to me is the menu items are always ~25 things I can trivially do on the website. No, I'm not calling to check my balance, pay a balance, update payment information, etc. I'm calling because your website specifically said that function isn't available online and I need to speak to a representative.