Indemnity Plans

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Freedom of choice

Our Traditional Choice® indemnity insurance plans give access to care without the restrictions found in most other plans. There’s no network, no referrals and no primary care doctors.

  • Members go to any licensed health care professional or facility.
  • A deductible and coinsurance apply.
  • Members send in claim forms for any care received.
  • Wellness and preventive programs are available.
  • Discounted rates may be available through the National Advantage™ Program. This applies to covered services from many hospitals, doctors and other facilities.
  • Discounts on eyewear, gym memberships, and other health and wellness products are available at no additional cost.
  • The plans are full risk or self-funded.
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