To help determine if your insurance is accepted, we recommend taking the following steps: 1  Call the member service information number located on the back of your insurance card. 2  Inform your insurance that you will be visiting MinuteClinic.  Confirm your benefits and coverage for the specific service you're seeking.
A hard inquiry is an inquiry that occurs when a prospective lender checks your credit report to make a lending decision. Hard inquiries can slightly lower your credit score and will typically stay on your report for two years.
However, since your scores go down as your number of inquires goes up, itâs important to only apply for credit when you need it and not as a leisurely act. Inquiries generally stay on your credit report for 2 years. However, hard inquiries only affect your credit score for one year.