In this podcast discussion, Ben Tuinei explains the concept and purpose of umbrella or leasing networks in the insurance industry. These networks allow insurance companies with smaller or less established networks to expand their in-network provider lists by partnering with other companies. This helps in attracting more employer groups by presenting a larger network of in-network providers. Ben emphasizes the importance of keeping track of these relationships through notices from insurance companies. He advises practices to limit their involvement to one or two umbrella networks to avoid confusion and potential downgrades to the lowest fee schedules. He also predicts an increase in such relationships as more doctors opt out of direct PPO contracts.