I am correct.
An aluminum electro cap conducts in the reverse direction, something like a diode, but with bad diode characteristics. The resistance of the side that is properly polarized is much much more than the reverse biased half, so the charge inside apportions itself across where it's blocked - the properly biased side. So only the properly biased side is acting as a cap, and there's only one cap's worth of capacitance there.
There is a small region around 0V where both are acting like caps but it's best avoided.
Even better, use my rule of thumb: never, ever rely on an aluminum or tantalum electrolytic cap to have a specific value. Use them only where you can make a case for "OK, if I just get a big enough capacitor..." and never where the exact capacitance matters. This is because even if the capacitance is correct today, it will change as the cap ages. And the tolerances on electros is generally bad. As bad as -20% +80%.
If you designed your circuit well, the electro caps are bigger than is absolutely needed, so make each one of the polarized caps be the value of the NP cap you want, and the circuit will work.
If you relied on the value of an NP cap for specific values, like a rolloff frequency - well, may Mother Nature have mercy on you.