Defendant was a life or disability insurer not a health care service plan provider; hence it was regulated by the Insurance Commissioner under the Insurance Code, not the Commissioner of Corporations under the Knox-Keene Knox-Keene Act. Plaintiff emergency medical servicer provider therefore had no claim based on defendant’s failure to pay for plaintiff’s services at the rate set by the Corporations Commissioner. Also, plaintiff had no viable quasi-contractual claim for quantum meruit because its services did not directly benefit defendant, but rather the patients that plaintiff treated. Also, when a benefit is conferred on a third party, the defendant may be held liable in quantum meruit only if defendant specifically requested the benefit that plaintiff conferred.