Which Companies Offer an Indemnity Health Plan with No Rejection Policies?

Large, reputable health insurance companies do offer an indemnity health plan to consumers, allowing them to obtain quality healthcare without the limitations of an HMO or PPO product.

Most of the big names in the health insurance industry do offer a credible indemnity health plan. An indemnity health insurance plan is especially appealing to those who do not wish to be limited in their choice of medical providers, or when they can receive care, as an HMO or PPO plan from the same company might limit them.

Who will take my indemnity health insurance plan? Do all providers accept these plans?

The concept behind an indemnity health insurance plan means that a provider does not have to "accept" it. A person covered under an indemnity health care plan pays for the medical services they receive upfront, and then by submitting a claim form to the insurance company these costs are reimbursed directly to them, not the health provider.

The insurance company will pay their "reasonable and customary" fee, which can be either more or less than the amount that a provider will want to charge for a particular service.

The holder of an indemnity health care plan can avoid such surprise extra costs however by knowing what those fees are, and discussing coasts with a providers billing department before services are rendered.