My mom had a reduction paid by insurance. Your case doesn't mean it can't happen, just your provider chain is being difficult. Keep trying or change you're provider if you can.
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"Vodka = 95% alcohol" -AI slop
They curate the subs that appear.
All is everything minus a deny list (nsfw).
Popular is a list of what they approve, or more recently it's the algorithmic feed.
I only used my own subs for my personal interests or All to discover something new. It was, at least at one time, good for surfacing things I never would have looked for. More often things that didn't interest me, but that was valuable in itself.