Silent PPOs are unauthorized third parties outside the contract between the MCO and the physician that gain access to the MCO discount rates. Examples of these network rentals are automobile insurers or workmen's compensations insurers. They obtain the physician's rates from a database. The main insurer who has the contract with the physician does not provide the information to the physician and the third parties continue to benefit from the discounted rates. There are currently 14 states that prohibit them.
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