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Health Insurance Guide > How does an Indemnity plan work?How does an Indemnity plan work?An indemnity plan traditionally offers more liberty when it comes to choosing hospitals to use, but will probably incur more costs that you will be responsible for as well as more paperwork. With an Indemnity plan you can see any doctors or specialists that you like with no referrals. Although you can pick to get the majority of your basic care from one doctor, your insurance organization will not make you pick a primary care physician (PCP).You will likely pay a yearly deductible before the insurance organizations pay your claims. Once that deductible has been met, the insurance organizations will typically pay your claims at a set percentage of the usual customary and reasonable (UCR) rate for the service or a set amount. That UCR rate is the average amount that healthcare providers in your area typically charge. An Indemnity plan may also require you to pay ahead for services and then submit a claim to the insurance organization for reimbursement.
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