If you know anyone who’s ever been an AT&T customer, listen up. A class action lawsuit after two data breaches means you could be owed money, in some cases up to $5,000.

The lawsuit claimed that the company touted its low-sugar, low-calorie soda with prebiotics as “gut healthy” without any scientific evidence.

But a little-known process that requires insurers and plans to seek an independent opinion outside their walls can force ...