Insurers are increasingly providing the medical services that they cover. They are encouraging members to seek health care at clinics, surgery centers and pharmacies that they own.
Most major insurance companies are offering health plans that are built around their own providers. Offering a narrow network plan that only covers an insurer's own providers is one way to offer low-price plans.
Aetna, which last year was purchased by CVS, now offers many of its members free visits to CVS clinics. Blue Cross Blue Shield of Texas recently began opening its own clinics and unveiled a new health plan that allows members to visit them for free.
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