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.
For a person with a very strong credit history, no delinquencies, etc., an inquiry may have zero affect on the score. For a person with late payments, collection accounts or other serious issues, an inquiry may affect the score by several points, Griffin says in an e-mail. Still, those inquiries can add up.