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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.

Understanding Indemnity Health Insurance Plans

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 ...

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

If you're hospitalized, you can be stuck paying the amounts not covered by your primary insurance, and that can get expensive. A hospital indemnity plan covers  ...

Indemnity Plans – Producers | Aetna

Learn about the no-restriction coverage that Aetna's indemnity insurance plans can offer.

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Classic or Traditional Indemnity - Humana Group Health Plans

The Classic plan, which is also known as a "traditional indemnity plan" or a "fee- for-service plan", has no provider network. You can choose any doctor or other ...

indemnity health plan - Affordable Health Insurance

With indemnity plans, the individual pays a pre-determined percentage of the cost of health care services, and the insurance company (or self-insured employer) ...

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 ...

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.

DEFINITIONS OF HEALTH INSURANCE TERMS

for use in Federal surveys collecting employer-based health insurance data. .... Indemnity plan - A type of medical plan that reimburses the patient and/or ...

Indemnity Insurance Definition | Investopedia

Typical examples of indemnity insurance include professional insurance policies ... Health indemnity insurance is sometimes used when a person is in between ...

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 ...

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.