Which insurance type offers indemnity-style plans to reimburse subscribers?

Indemnity-style plans are designed to provide reimbursement to subscribers for covered expenses incurred due to healthcare services received. These plans give policyholders the flexibility to choose healthcare providers and do not require them to use a specific network of doctors or hospitals. Individuals pay out of pocket for care and are subsequently reimbursed by the insurance company for a portion of their expenses.

Commercial insurance typically includes a variety of plan types, including indemnity plans, preferred provider organizations (PPOs), and health maintenance organizations (HMOs). The defining feature of indemnity insurance is that it allows for greater freedom in choosing providers and billing mechanisms compared to managed care plans.

Other types of insurance, such as Medicare, focus more on specific rules and service structures without emphasizing an indemnity-style reimbursement method for all covered services. While Blue Cross and benevolent funds may also provide coverage, they usually offer structured plans with specific provider networks and healthcare protocols that do not fit the indemnity model as directly as commercial insurance does.