Health monitor, as I understand it, is to avoid dead calls...
the SUCCESSION VOIP trunks have no clue that the NETWORK is down, unless the ETHERNET goes down to the SIG SERVER.... Calls will continue to route to the VOIP Trunks. The health monitor is supposed to avoid this but putting the VOIP trunks OOS if they can't see the Gateway (or whatever IP you put there), this way if you have a T1 as an ALT choice in the Route LIST BLOCK, then calls will go to the second choice, otherwise, you will never go to the T1.
If you ONLY have the VOIP Trunks, then it makes no DIFF if you turn it off or not.... only useful if you have a secondary choice in the RLB.
Your other problem where your calls are not coming back from the BCM is probably a TYPO or your NRS programming is wrong if you are using NRS for the BCM......
Check the BCM for incorrect IP or the NRS endpoint, to make sure you don't have the wrong IP or GATEWAY (or SUBNET MASK).
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