Defining an Indemnity Plan

What sets an Indemnity Plan apart from other healthcare plans is the benefit of the policy holder being able to choose which doctor or medical / health institution he or she prefers. The downside though, is that there is additional paperwork, and the fees are going to be higher.

With an Indemnity Plan, you can select a particular doctor / physician you want without the need for referrals, and are not constrained or required to choose a primary care physician (PCP)

It’s your choice if you want to avail of an Indemnity Plan, as whether or not the benefits outweigh the price and cost depends on you. Some people are very particular about the type of healthcare they get, while some are not. It;s up to you to decide which works for you best.