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.
• You can also get discounts on eyewear, gym memberships, and other health and wellness products and services at no additional cost to you. (Discounts are not insurance. Learn more about discounts provisions.)
• The plans are available as full risk or self-funded.