Indemnity plans allow you to choose any doctor or hospital when seeking medical care. These plans typically have a deductible which must be met before any benefits are payable to the insured. After this deductible the plans pay a co-insurance percentage, typically 70% to 90% of billed charges. The remainder of the bill is paid by the insured.

This document was last modified on July 27, 1999 by LMLeber

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