Generally these work like this:
- you have private insurance that covers your actual expenditures on specific non-prescription but sort of medical things, like massages, orthotics, crutches, or whatever. This insurance doesn't insist that you shop for the best price, or reimburse you only the fair price for the item. You send a receipt; they send you a cheque.
- the item should cost $100.
- they charge you $125 for the item and "throw in" something you think is worth $50, but that cost them $5 or $10. You think you're getting free stuff for nothing
- the insurance company is paying too much and will either raise premiums, lose money, or institute a complicated "market value check" for all reimbursements eventually.
Any profit the orthotic-wearer or massage-getter receives comes out of their fellow insureds, most likely in the form of way more hassle in a few years getting claims processed. And the value of the shoes, purse, necklace, or whatever is likely to be trivial.
My suggestion: stay away. To potential customers, I would say: Enjoy the luxury of being able to choose who you like for these para-medical purchases, but don't deliberately overpay in the hope of personal profit: that will only kill the luxury within a few years. To you, who sounds like you're considering being an investor or employee: I'm sure you can find companies to work for or invest in whose business model isn't "the people who choose us don't pay for us, and the people who pay for us can't afford to see if we're being dishonest or not."