Liberty Mutual Insurance Company and Liberty Mutual Fire Insurance Company of Illinois may be running a "silent PPO", which increases their profits at the expense of medical providers.

Investigation and pending class action against Liberty Mutual Insurance Company and Liberty Mutual Fire Insurance Company by Illinois medical providers who accuse the company of questionable practices to reduce medical bills and increase profits.

According to these medical providers, Liberty Mutual has engaged in a silent Preferred Provider Organization scheme. In a PPO, insurance companies provide financial incentives to encourage patients to seek treatment from the preferred or in-network providers. Financial incentives include, for example, reduced co-payments or greater benefit coverage for seeking treatment from preferred or in-network providers. A "silent PPO" occurs where an insurance company takes PPO discounts from medical providers without financial incentives to steer patients to the preferred or in-network providers. As a result, the medical provider loses revenues without gaining patients, receiving nothing in exchange for the reduced bills. Over the past decade, insurance companies have targeted medical bills as a means to increase profits. Whether called re-pricing or cost containment, insurance companies have used questionable tactics to reduce medical bills by all means possible. These unprecedented attacks on medical bills lead to substantial losses for medical providers and record profits for the insurance companies.