Verification Required Message. Trying to download discord for telehealth visit. I dont owe any money or have any current subscriptions.

You can download free apps, but you may need to have a valid payment method on file, even if the app you want to download is free. 

Free apps has also In-app pruchase.

See -> Buy additional app features with in-app purchases and subscriptions

Buy additional app features with in-app purchases and subscriptions

See -> If you can’t download or update apps on your iPhone or iPad

If you can’t download or update apps on your iPhone or iPad – Apple Support (UK)

scroll to point 2 & 3  ⤵️

Add a payment method

You may need to have a valid payment method on file, even if the app you want to download is free.

Add a payment method

• If you want to change your card, add first the new card, then remove the old one.
• or if you want to use your Apple ID balance, you need to set your Apple ID balance as your default payment.

Resolve a problem with your payment method

If your payment method has expired, declined or failed, or a message says "There is a Billing Problem with a Previous Purchase"

If you have followed all the steps and instructions and if you still need help, get support from Apple directly -> Get Support or call Apple in your region see -> Contact Apple for support and service or check -> here for more support and assistance.