I understand now, thank you for clarifying. Currently, models that reference other models will only include the reference data, not the data of the referenced model itself. Our system is set up to be extremely flexible, so there are many different ways you can use that model reference to then access the necessary data, as you have mentioned calling the content API is one such way.
You could also connect the insurancePartners data on the page, just as you have done with the insuranceCategories, and then filter content to only include the relevant partners for a given URL path. You would probably need to add an insurance-type field, or ID field to the partner models to filter off of, for example. This would reduce any client-side API calls as well as the data would already be available in state.
Hopefully that helps! Please let me know if you have any further questions