Doctor's office Insurers arguethe discounted or free services will save them in the long-run byboosting patient health and catching medical issues before theybecome more serious and more costly. (Photo: Shutterstock)

Insurers are increasingly providing the medical services thatthey cover. They are encouraging members to seek health care atclinics, surgery centers and pharmacies that they own.

Most major insurance companies are offering health plans thatare built around their own providers. Offering anarrow network plan that only covers an insurer's own providers isone way to offer low-price plans.

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