See the proof in our Annual Financial Statement
Our business model places its focus on selectivity and safety as opposed to market share. With our objective simply to be the best, MoDocs has adopted stringent underwriting standards in the choice of doctors to whom we offer membership in order to maintain the ideal balance of a risk pool that has a high percentage of low risk doctors. This allows MoDocs to offer reasonable rates and insures the company’s financial viability. Years of medical experience give our professionally-trained underwriting staff a tremendous advantage.