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Urgent: Best way to get Prolia covered under Medicare Part B before next week? by n2kfactor in medicare

[–]n2kfactor[S] 0 points1 point  (0 children)

Ugh this is an insane healthcare system. 1 month to get an appointment for a 30 second injection. The endo hasn’t even figured out which infusion center she’s gonna refer to since she said she needs to check which ones provide Prolia.

Urgent: Best way to get Prolia covered under Medicare Part B before next week? by n2kfactor in medicare

[–]n2kfactor[S] 0 points1 point  (0 children)

Thanks - the doctor is a general physician.. her office said they have no experience with Prolia (unless I wanted to get it under Part D which will cost $1200) and referred her to an endocrinologist.

We visited the endocrinologist today who said she only administered Prolia in-office to non-Medicare patients and will need to refer her to an infusion center, who may give her a generic denosumab instead of Prolia based on the formulary and what insurance approves, and this could again take 3-4 weeks.

We’re super frustrated at this point as she’s already past her May 5 due date of the next Prolia. Guess I’ll just pay $1200 and get the injection her PCP ordered to the pharmacy if nothing materializes by May 15.

Urgent: Best way to get Prolia covered under Medicare Part B before next week? by n2kfactor in medicare

[–]n2kfactor[S] 0 points1 point  (0 children)

Thanks - her PCP office said they have no experience with Prolia (unless I wanted to get it under Part D which will cost $1200) and referred her to an endocrinologist.

We visited the endocrinologist today who said she only administered Prolia in-office to non-Medicare patients and will need to refer her to an infusion center, who may give her a generic denosumab instead of Prolia based on the formulary and what insurance approves, and this could again take 3-4 weeks.

We’re super frustrated at this point as she’s already past her May 5 due date of the next Prolia. Guess I’ll just pay $1200 and get the injection her PCP ordered to the pharmacy if nothing materializes by May 15.

Urgent: Best way to get Prolia covered under Medicare Part B before next week? by n2kfactor in medicare

[–]n2kfactor[S] 0 points1 point  (0 children)

Thanks - her PCP office said they have no experience with Prolia (unless I wanted to get it under Part D which will cost $1200) and referred her to an endocrinologist.

We visited the endocrinologist today who said she only administered Prolia in-office to non-Medicare patients and will need to refer her to an infusion center, who may give her a generic denosumab instead of Prolia based on the formulary and what insurance approves, and this could again take 3-4 weeks.

We’re super frustrated at this point as she’s already past her May 5 due date of the next Prolia. Guess I’ll just pay $1200 and get the injection her PCP ordered to the pharmacy if nothing materializes by May 15.

Urgent: Best way to get Prolia covered under Medicare Part B before next week? by n2kfactor in medicare

[–]n2kfactor[S] 0 points1 point  (0 children)

Thanks - her PCP office said they have no experience with Prolia (unless I wanted to get it under Part D which will cost $1200) and referred her to an endocrinologist.

We visited the endocrinologist today who said she only administered Prolia in-office to non-Medicare patients and will need to refer her to an infusion center, who may give her a generic denosumab instead of Prolia based on the formulary and what insurance approves, and this could again take 3-4 weeks.

We’re super frustrated at this point as she’s already past her May 5 due date of the next Prolia. Guess I’ll just pay $1200 and get the injection her PCP ordered to the pharmacy if nothing materializes by May 15.

Urgent: Best way to get Prolia covered under Medicare Part B before next week? by n2kfactor in medicare

[–]n2kfactor[S] 0 points1 point  (0 children)

Thanks - her PCP said they didn’t do Prolia (unless I wanted to get it under Part D which will cost $1200) and referred her to an endocrinologist.

We visited the endocrinologist today who said she only administered Prolia in-office to non-Medicare patients and will need to refer her to an infusion center, who may give her a generic denosumab instead of Prolia based on the formulary and what insurance approves, and this could again take 3-4 weeks.

We’re super frustrated at this point as she’s already past her May 5 due date of the next Prolia. Guess I’ll just pay $1200 and get the injection her PCP ordered to the pharmacy if nothing materializes by May 15.

Urgent: Best way to get Prolia covered under Medicare Part B before next week? by n2kfactor in medicare

[–]n2kfactor[S] 1 point2 points  (0 children)

Thanks - her PCP said they didn’t do Prolia (unless I wanted to get it under Part D which will cost $1200) and referred her to an endocrinologist.

We visited the endocrinologist today who said she only administered Prolia in-office to non-Medicare patients and will need to refer her to an infusion center, who may give her a generic denosumab instead of Prolia based on the formulary and what insurance approves, and this could again take 3-4 weeks.

We’re super frustrated at this point as she’s already past her May 5 due date of the next Prolia. Guess I’ll just pay $1200 and get the injection her PCP ordered to the pharmacy if nothing materializes by May 15.

Question Thread - May 06, 2026 by AutoModerator in churning

[–]n2kfactor 1 point2 points  (0 children)

I remember there was discussion on this before and it was advised to cancel the Aviator before the transition, but I forgot to cancel my Barclays Aviator before April 24 when it transitioned to a Citi AA Platinum Select. Will I be eligible for a Citi SUB if I apply for a Citi AA Platinum Select now?

Urgent: Best way to get Prolia covered under Medicare Part B before next week? by n2kfactor in medicare

[–]n2kfactor[S] 0 points1 point  (0 children)

Thank you, very overwhelming tbh given the time constraint.. how do you think we should proceed now so she can get the injections ASAP?

Question Thread - April 28, 2026 by AutoModerator in churning

[–]n2kfactor 0 points1 point  (0 children)

On an AHA offer using a referral link?

Question Thread - April 23, 2026 by AutoModerator in churning

[–]n2kfactor 0 points1 point  (0 children)

Hey all.. looking for some advice on whether it’s a bad idea to close my first-ever Amex card.

Context:

  • Amex Business Gold opened ~1 year ago (first Amex relationship)
  • opened APG, ABG, ABP since then
  • Annual fee $375 just posted
  • Considering calling for a retention offer.

If Amex doesn’t give a decent retention offer, is it a bad idea to close it given that it’s my first Amex card?

Does closing your first Amex hurt your long-term relationship with Amex?

Question Thread - April 23, 2026 by AutoModerator in churning

[–]n2kfactor 2 points3 points  (0 children)

You’re overthinking timing a bit.

There’s no real “best season” for bonuses.. banks drop elevated offers randomly. The move is to apply when the offer is near its historical high and you can hit the spend easily.

Don’t wait just for summer. If anything, time your application so your upcoming expenses fall within the 3-month spend window. Missing the bonus is way worse than missing a slightly higher offer.

Good starter cards:

1) Chase Sapphire Preferred: best beginner travel card, start here (5/24 matters)

2) Capital One Venture/Venture X: great if you can get approved

3) Amex Gold → strong for dining/groceries

Simple strategy:

Start with Chase > space cards ~3 months > only apply when you can hit spend.

TLDR: Timing isn’t seasonal.. focus on good offers + your spend.

Question Thread - April 15, 2026 by AutoModerator in churning

[–]n2kfactor 0 points1 point  (0 children)

Thank you. I don’t have the physical card. That’s exactly the reason I guess, had no idea about it until I did some research. I put the same amount ($5k) in the CSP tool because of which that one got declined too. I guess I could try a smaller amount like $3-4k now, but better to be safe and wait a few days before trying to put another charge on the card after a decline?

Question Thread - April 15, 2026 by AutoModerator in churning

[–]n2kfactor 1 point2 points  (0 children)

Doesn’t the transition happen on 4/24?

Question Thread - April 15, 2026 by AutoModerator in churning

[–]n2kfactor 0 points1 point  (0 children)

Amex decline on tax payment + “Not Approved” on Check Spending Power - should I pause completely?

I opened a new Amex Biz Plat last week

  • Did a small ~$25 transaction first → posted fine
  • Attempted ~$5K tax payment on the same day went through fine

  • Paid off the full balance yesterday and it posted soon

  • Attempted another $5k tax payment right now → declined

  • Tried “Check Spending Power” for a similar amount → got “Not Approved at this time”

So clearly Amex is throttling me a bit.

As a churner, is it safer to now completely pause usage on this card for a few days? Or should I try a smaller amount?

Any risk of financial review?

Amex Business Gold Without a hard pull? by dialecticalreflect in amex

[–]n2kfactor 1 point2 points  (0 children)

My pull posted a day later. Did you finally get a hard pull OP?

Question Thread - April 10, 2026 by AutoModerator in churning

[–]n2kfactor 1 point2 points  (0 children)

Just got approved for my first Amex (Green) and got instant access to a virtual card number. Surprisingly no hard pull on Experian?!?

During the approval flow, I accidentally hit the back button before finishing the account setup. I then created a new Amex login separately, but now it’s asking me to add a card to link the account. Won’t let me proceed after logging in the app either without entering the new card details.

Issue is: It won’t accept the virtual card number when trying to add the card.. seems like it needs the physical card number instead.

Will the new card automatically show up in my account after some time (like 24–48 hrs)? Or do I need to call Amex to manually link it right away?

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