What is Indemnity Health Insurance?

Indemnity Health Insurance

Indemnity health insurance plans, also called Mini Medical Plans, are “fee-for-service” plans. They are popular for those individuals who can not qualify or afford traditional major medical coverage, or for those who need to supplement their existing coverage. Indemnity plans allow you to direct your own health care and visit almost any doctor or hospital you like. The insurance company then pays a set portion of your total charges.

Should you purchase indemnity health insurance?
Indemnity insurance would work for you if:
  • You're looking for the greatest level of freedom possible in choosing which doctors or hospitals to visit
  • You don't want to designate primary care physicians or get referrals to get specialists
  • You want to freely visit any physician you choose
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  *Not all plans and providers are available in all states.