The ones with an independant practice... Do they get some kind of a discount because they're in the field or is there some way for them to join a group plan even though they are self employed?
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The vast majority are "employees" of their own corporation. I've never ever seen a doctor's office, where the entire business was run under the doctor's personal name. It doesn't make any sense, as they could be absolutely wiped out financially with one really bad malpractice case. They get a group policy, which covers them, and their employees. Employees include both the receptionist and nurse, that you see, and usually at least one billing/collections person, and sometimes an accountant/office manager. They do NOT get a discount - they pay the same group rates as everyone else with a group of that size.
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