INDEMNITY COVERAGE

Indemnity health insurance plans, also known as “fee-for-service” plans, are designed to allow patients maximum flexibility and choice when it comes to their providers. With an indemnity health insurance plan, you can choose which doctor and hospital you want to visit without concerns regarding in-network or out-of- network providers. Some indemnity health plans do not cover preventative care visits such as annual check ups. Under these plans, the fees paid toward these services will not count toward your deductible.

Is an Indemnity Health Insurance Policy Right for Me?

This plan can work for several types of individuals. If you have pre-existing conditions and can not obtain individual health coverage this is an excellent alternative. If you are looking for an extremely flexible plan that will allow you to choose any provider you want, or if you are relatively healthy and just need some form of security, or even as a supplemental plan, then an indemnity health plan may be your answer.

Who is Eligible for Indemnity Health Insurance?

Indemnity health plans do not require any special eligibility qualifications. Some carriers even have a guaranteed issue plan, which does not allow you to be denied due to medical conditions.

Are There Other Options Similar to Indemnity Health Insurance?

While no other type of plan offers the range of choices that indemnity health plans do, you may be able to find another plan that offers similar options that interest you. If you are looking for a high deductible plan, a catastrophic health plan may provide the coverage you are looking for. Once again, depending on each individuals unique situation and health status, some Mini Medicals or Medical Benefit Plans can provide some assistance towards medical expenses.