Indemnity Plans are at the other end of the spectrum from HMOs. They cover visits to any doctor, any specialist, and any other medically necessary service, usually with few managed care controls. There are still some indemnity plans around, but in nearly all markets, they have been priced out of business.
The Unitarian Universaslist Association has chosen to offer three PPOs: a standard plan that offers benefits that closely mirror HMO plans for in-network care; and two with a high deductible, for those who want a lower premium and are willing and able to budget for unforeseen expenses.
For more information contact healthinsurance @ uua.org.
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Last updated on Tuesday, April 16, 2013.
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