Freedom to Choose Your Care
Indemnity health insurance, also known as “fee-for-service” coverage, offers unmatched flexibility. Clients can visit any doctor or hospital without worrying about network restrictions. The plan pays a set portion of costs, while you cover the rest. I help clients understand this model and decide if its flexibility is the right fit for their healthcare needs.
Flexible Coverage Without Limits
For those who value choice, indemnity insurance provides the freedom to seek care from any provider. Unlike network-based plans, you aren’t limited to certain doctors or hospitals. The insurance pays a portion of the bill, and you handle the balance. I guide clients through how these plans work so they can weigh the benefits of flexibility against cost.
Healthcare on Your Terms
Indemnity health insurance puts control in your hands. With no provider networks, you can access care wherever you choose. While the plan contributes toward covered expenses, clients are responsible for a share of the costs. My role is to simplify this process—helping clients see if this type of plan aligns with their priorities for freedom and choice in healthcare.
Clarity and Confidence in Coverage
Indemnity insurance may not be the most common option today, but it’s a valuable choice for those who want maximum flexibility. It allows you to see any provider, with the insurer paying a set percentage of the bill. I walk clients through the pros and cons so they can make an informed decision about whether this type of plan provides the right balance of independence and protection.