Indemnity Health Coverage

Indemnity health insurance plans, also called Mini Medical Plans, are “fee-for-service” plans. They are popular for those individuals who cannot qualify or afford traditional major medical coverage, or for those who need to supplement their existing coverage.

Mini Medicals are designed to allow patients maximum flexibility and choice when it comes to their providers. With an indemnity health insurance plan, you can choose which doctor and hospital you visit without worrying about in-network or out-of-network providers.

Is an Indemnity Health Insurance Policy Right for Me?

If you are looking for an extremely flexible plan that will allow you to choose any provider that you want, then an indemnity health plan may be for you.

Payment for services with this type of plan depends on your provider. Some expect you to pay at the time of service; some require you to pay a percentage up front and will bill your insurer for the balance.