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That ruling was overturned on appeal.

https://www.reuters.com/markets/us/citigroup-wins-appeal-ove...

Interesting!

that is a different case. That was a payment on a real debt, just earlier than intended (and due to a mistake).

The top comment was talking about money that wasn't even billed. They don't have any actual service or product it was tied back to. Also if they do have agreements with that insurer (just no payments pending), there is going to be a contract overriding default law which probably covers how to handle mistakes.

The "if they owe you money" is very important here.

The question was obviously referring to money not owed.

Absolutely (hence the low word count, many of which were dedicated to highlighting that distinction). When learning about a topic though, it's helpful to explore surrounding ideas.