ABTA Publications

• Also known as fee-for-service or traditional health insurance.
• Usually indemnity plans offer more flexibility in choosing doctors and hospitals.
• Typically, there is a deductible, the amount of money you must pay before the medical plan starts paying a portion of the bill.
• Indemnity insurance usually pays a portion of the bill usually 80%. The policy holder will then be responsible for the other 20%. This is known as co-insurance.

• Have agreements with certain physicians, hospitals and health care providers to provide a range of services.
• Include PPOÕs, HMOÕs and POSÕs. PPOÕs have arrangements with physicians, hospitals and other providers of care.
• PPO physicians can make referrals, but plan members can also refer themselves to other physicians, including one outside of the plan.
• HMOÕs provide a list of physicians to choose from to select a primary care physician. The primary care physician coordinates all care and needs to be visited or contacted in order to receive a referral to another physician or specialist.
• POSÕs primary care physicians in a POS plan usually make referrals to other providers in the plan. Members can refer themselves outside of the plan and can still receive some coverage.