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

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.

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