Indemnity Health Insurance, often referred to as fee-for-service insurance, provides policyholders with flexibility in choosing their healthcare providers and reimburses a portion of the costs incurred for covered medical services.

Indemnity plans have fixed benefits, and cover basic needs. An Indemnity health insurance plan might be something healthy individuals might like to look at. Indemnity plans also offer more flexibility than traditional health plans.

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With an indemnity plan, you may see any provider you choose. When you receive medical care, you’ll pay out of pocket at the time of your visit. After your visit, you can submit a claim for reimbursement to your insurance carrier.

If you want to be able to see any provider you choose without being limited to the in-network or out-of-network coverage under a traditional health plan, an indemnity plan might be right for you. If you frequently travel or live in an area with limited network coverage, indemnity plans provide coverage anywhere you seek care — no need to travel to an in-network facility.