What is a Medical Indemnity Plan?

Medical Indemnity plans, also known as an Indemnity Health Plan, are health plans designed to give you choices when choosing health care providers and facilities.

If you choose a Medical Indemnity health plan through Cigna, it’s important to know the key features:

  • You have the freedom to see any health care provider and use any facility for covered services, but you and your covered dependents must file claims to be reimbursed.
  • Depending on the provider, you may have to pay for the cost of your health care services when you receive them, or you may be billed directly for any services provided.
  • You don’t need referrals for specialists. You may need to pre-certify hospital stays and some types of outpatient care.
  • The indemnity health plan includes global emergency and urgent care coverage 24 hours a day, seven days a week.