This VIP Medical plans is NOT insurance and is NOT a substitute for health insurance. VIP Medical Plans, LLC is a dIscount plan organization in Florida, and is regulated by the Florida Office of Insurance Regulation. It offers reduced rates at select healthcare providers for various medical services. Discounts vary by provider and service type. Members are responsible for all healthcare costs minus the discounts at participating providers. The plan does not pay providers directly; members must cover all costs and receive discounts based on pre-negotiated fee schedules that can be found in the provider service directory within your mobile application or by calling member services.