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Indemnity Insurance

Looking for Group Health Insurance?

Indemnity insurance or "fee for service" is a traditional form of health insurance where the physician bills the patient rather than their insurer for reimbursement or payment to the physician.  In other words, an indemnity plan allows you to choose your own doctor and then it pays a percentage of the total bill after your specified deductible, so you pay your doctor and your insurer pays you.  There are some insurers who offer a more limited choice of providers, this is referred to as a Preferred Provider Plan, this restricts your choice of health care providers to members of the sponsoring insurer's Preferred Provider Organization or PPO.  Indemnity insurance plans primarily existed before the rise of managed care plans such as HMO's and PPO's.


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