Coming Soon
Subscription Marketplace - Buy and sell subscription products and services
0 like 0 dislike
584 views
in Articles by
Indemnity health insurance plans are more regularly known as traditional health insurance plans. These health insurance plans can be costly but often cover most health problems that may arise, while other insurance plans exclude some illnesses or diseases from their coverage. Some disadvantages to indemnity plans are that they do not usually cover preventative health care like physicals, and traditional health insurance plans often cover only a percentage of your bill. Research the advantages and disadvantages to indemnity health insurance when you are considering health insurance options.

While the disadvantages may seem problematic, there are many advantages to indemnity health insurance plans. You may have a higher monthly premium and you may need to pay upfront costs and submit claims paperwork, but your deductible will be more manageable and your coverage will be wider. Some health insurance plans will not cover certain medical expenses or care, but indemnity plans often do.

Another benefit of indemnity health insurance plans that many people desire is the freedom to choose your own physician. While other health insurance plans offered by the insurance industry limit your choice of physicians and hospitals to a list of preferred providers, indemnity insurance will cover any physician or hospital. This benefit may seem unworthy of mention, but there has been more than one instance where a mother finds that her son or daughter's pediatrician is not in their preferred provider network and has to search for another pediatrician. This also means that you can see a specialist without having to consult with your primary care physician first.

Overall, indemnity health insurance plans also offer you the best emergency medical coverage in the industry. While preferred provider organizations (PPOs) or point-of-service (POS) plans limit the physician you can see to a list of network physicians and hospitals, the freedom of choosing any physician is nationwide with indemnity health insurance plans. This means that if you are traveling across the country and have an accident or a medical emergency, you can go to the nearest hospital or see the closest physician without worrying about the expense. There have been instances where hospitals or physicians will either refuse to treat patients or treat them only minimally because the hospital or physician is not inside the plan's preferred provider network - meaning that the patient's health insurance will only cover a small part of the expense and the patient is liable to pay the rest of the bill. This is a risky financial situation for the physician and/or hospital since patients are often unable to fully pay costly medical bills. With indemnity health insurance plans, this is almost never the case. Consider this and the other benefits of indemnity health insurance when choosing the plan that is right for you.

Please log in or register to reply to this topic.

Related topics

0 like 0 dislike
0 replies 715 views
posted in Articles by Prepatriarch
0 like 0 dislike
0 replies 731 views
posted in Articles by PlaySeal
0 like 0 dislike
0 replies 745 views
posted in Articles by TwinNut
0 like 0 dislike
0 replies 1,407 views
posted in Articles by SilentTrooper
0 like 0 dislike
0 replies 627 views
posted in Articles by Butcherry
0 like 0 dislike
0 replies 536 views
posted in Articles by Knightmare
0 like 0 dislike
0 replies 611 views
0 like 0 dislike
0 replies 567 views
posted in Articles by TwinNut
0 like 0 dislike
0 replies 947 views
posted in Articles by FoolishJaguar
0 like 0 dislike
0 replies 520 views
posted in Articles by Hawkward
0 like 0 dislike
0 replies 674 views
posted in Articles by Titank
0 like 0 dislike
0 replies 642 views
0 like 0 dislike
0 replies 562 views
posted in Articles by AfternoonFay
0 like 0 dislike
0 replies 605 views
posted in Articles by PerfumedNecromancer
0 like 0 dislike
0 replies 641 views
0 like 0 dislike
0 replies 878 views
posted in Articles by MammothMoth
0 like 0 dislike
0 replies 545 views
posted in Articles by BouncyOracle
0 like 0 dislike
0 replies 543 views
posted in Articles by HarmlessRose
0 like 0 dislike
0 replies 592 views
0 like 0 dislike
0 replies 522 views
posted in Articles by GraveGrass
0 like 0 dislike
0 replies 656 views
posted in Articles by Celestiger
0 like 0 dislike
0 replies 622 views
posted in Articles by TrustyKitty
0 like 0 dislike
0 replies 525 views
posted in Articles by KeyboardPie
0 like 0 dislike
0 replies 548 views
posted in Articles by Robottom
0 like 1 dislike
0 replies 1,592 views
posted in Articles by Explorer
0 like 0 dislike
0 replies 795 views
0 like 0 dislike
0 replies 637 views
posted in Articles by BunBunny
0 like 0 dislike
0 replies 593 views
posted in Articles by Oystrich
0 like 0 dislike
0 replies 489 views
posted in Articles by Tomatoad
0 like 0 dislike
0 replies 479 views
posted in Articles by Falconjurer
0 like 0 dislike
0 replies 666 views
posted in Articles by HairyFoal
0 like 0 dislike
0 replies 550 views
posted in Articles by TrainedGuy
0 like 0 dislike
0 replies 562 views
posted in Articles by Conjursa
0 like 0 dislike
0 replies 976 views
posted in Articles by Richard S.
0 like 0 dislike
0 replies 486 views
posted in Articles by MorningFortune
0 like 0 dislike
0 replies 538 views
posted in Articles by CharmingChamp
0 like 0 dislike
0 replies 515 views
posted in Articles by Slayerk
0 like 0 dislike
0 replies 497 views
posted in Articles by Catnip
0 like 0 dislike
0 replies 503 views
posted in Articles by DopeyPotato
0 like 0 dislike
0 replies 559 views
posted in Articles by DreamBaby
0 like 0 dislike
0 replies 557 views
posted in Articles by HistoryGuy

55,458 topics

594 replies

3 comments

1,623,835 users

Connect with us:
...