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Indemnity Plan - Indemnity Health Insurance Plans

Learn about Indemnity insurance plans. Get information on how indemnity plans work. Discover if an indemnity health plan is right for you.

Health Insurance Questions on eHealthInsurance.com

Get answers to your health insurance questions, eHealthInsurance helps you ... Do you offer health insurance in my state? ... How does an Indemnity plan work?

Understanding Indemnity Health Insurance Plans - Personal Insurance

Unlike HMO and PPO health insurance plans, most indemnity policies allow you to choose any doctor and hospital that you wish when seeking health care ...

Classic or Traditional Indemnity - Humana Group Health Plans

An insurance plan with higher a level of benefits for services obtained from ... The Classic plan, which is also known as a "traditional indemnity plan" or a ...

DEFINITIONS OF HEALTH INSURANCE TERMS

Employment-based Health Insurance Surveys approved the following set of .... Indemnity plan - A type of medical plan that reimburses the patient and/or ...

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Indemnity Plans – Producers | Aetna

Members go to any licensed health care professional or facility. A deductible and coinsurance apply. Members send in claim forms for any care received.

Questions and Answers About Health Insurance (continued)

AHRQ consumer health information for people with a disease or chronic ... If you have indemnity insurance, your plan only pays part of your medical bills.

What is an indemnity plan, as it relates to health insurance? - Health ...

Indemnity plans are the oldest and most liberal type of health insurance plan— the one your dad may have had when he wore the gray flannel suit to his job in ...

Hospital Indemnity Plans - AARP Health

Most primary health insurance plans do not cover all hospital costs. ... A hospital indemnity plan covers some of the costs associated with a hospital stay and ...

Traditional Indemnity Insurance Plans - Virginia Health Information

Traditional Indemnity Insurance Plans. Regardless of the terminology you may hear, the three terms used to indicate this type of insurance are usually ...

Indemnity Plan | Golden Rule Insurance Company

An indemnity plan is a health insurance plan that reimburses the covered person for incurred medical expenses. Indemnity plans often include a deductible that ...

Types of health insurance - CNN Money

There are two basic types of insurance: indemnity plans and managed care. Indemnity insurance -- also called "fee-for-service" - generally gives you greater ...

Indemnity Health Insurance


As a business owner, you are responsible for obtaining your own health insurance, and indemnity insurance may be a good match for your needs. In addition, if you provide health insurance for your employees, you may wish to consider indemnity insurance for them as well.

As with most insurance plans, with indemnity health insurance you will have a deductible that you have to meet before they will reimburse you for covered insurance. After you meet this deductible, the insurance company will pay a percentage of what they consider is a usual and customary charge for covered charges. You are responsible for any charges that the insurance company doesn't cover. Remember that there will be a lifetime limit on your indemnity medical insurance policy. Your lifetime limit should be at least one million dollars, but more is better.

1. Indemnity health plans allows the consumer to choose their primary care physician. You don't need a referral to receive care from other health care professionals.

2. Most indemnity health insurance providers require the consumer to pay for the service up front and then file paperwork to receive a full or partial refund.

3. Indemnity health insurance plans usually carry a much higher deductible than managed health insurance plans.

Get quotes for group indemnity medical insurance plans

Find out what it will cost you to provide indemnity health insurance coverage for yourself and your employees. Decide whether you will expect your employees to cover part of the monthly premium.

Find an insurance company that sells indemnity health insurance

Remember that not all insurance companies are indemnity medical insurance providers, but some specialize in indemnity insurance. Get quotes from both types; they may have different deductibles and co-insurance rates.

Visit a local agent to discuss an indemnity health insurance plan

Sometimes it's easier to understand what indemnity health insurance plans have to offer when you are able to discuss them face to face with an agent. Contact a local agent and request a meeting to discuss what their indemnity plans offer.
  • Remember that if you have an indemnity health plan, you can see any doctor or visit any hospital you like if you are traveling within the US.
  • Indemnity insurance doesn't cover preventative care, such as well-child visits and check ups. You need to decide whether this is an issue for you and your company.
  • Control your health care expenses with an indemnity health plan by choosing health care providers whose fees aren't higher than those which insurance companies consider usual and customary.