Indemnity Plans

Our Traditional Choice® indemnity insurance plans give employees complete freedom. There’s no network, no referrals and no primary care doctors.

• Employees can go to any licensed health care professional or facility.
• A deductible and coinsurance apply.
  • Deductible is the amount the employee pays for covered services before the health plan begins to pay.
  • Coinsurance is the percentage of health care expenses the employee pays after the deductible.
• Employees send in claim forms for any care received.
• Wellness and preventive programs are available.
  

• You may be able to get discounted rates for your employees through the National Advantage™ Program. This applies to covered services from many hospitals, doctors and other facilities.
• Members also get discounts on eyewear, gym memberships, and other health products and services at no additional cost to you. (Discounts are not insurance. Learn more about discount programs provisions.)
• The plans are available as full risk or self-funded.