The Physician Referral Network provides discounts on health care services at physician's offices. Because the program is not insurance, there are no claim forms, deductibles, or waiting periods. With a network of over 50,000 ancillary medical facilities and over 350,000 physicians nationwide, members can experience 10% to 30% savings on medical services.Members who have no health insurance can save money on services such as routine office visits and cosmetic surgery by accessing a participating provider. Participating providers must pass strict credentialing criteria prior to joining the network. There is no limit to the number of times you can access a participating provider in this program.