Question
Indemnity health plans
Question 7 options:
greatly restrict the choice of health care providers.
require you to pay the doctor and then get reimbursed.
require you to get approval to see a specialist.
are the least expensive of all health care plans.
Question 7 options:
greatly restrict the choice of health care providers.
require you to pay the doctor and then get reimbursed.
require you to get approval to see a specialist.
are the least expensive of all health care plans.
Answers
GPT-4o mini
Indemnity health plans are characterized by the following:
- **Require you to pay the doctor and then get reimbursed.**
This is the correct option. Indemnity plans allow policyholders to visit any doctor or specialist without needing a referral, but they typically require the member to pay upfront for services and then file a claim to get reimbursed for covered expenses.
The other options do not accurately describe indemnity health plans:
- They do not greatly restrict the choice of health care providers; in fact, they offer greater flexibility in choosing providers compared to managed care plans.
- They do not require approval to see a specialist, which is a feature more typical of managed care plans like HMOs (Health Maintenance Organizations).
- They are often not the least expensive; indemnity plans can come with higher premiums compared to managed care plans due to their flexibility and coverage options.
- **Require you to pay the doctor and then get reimbursed.**
This is the correct option. Indemnity plans allow policyholders to visit any doctor or specialist without needing a referral, but they typically require the member to pay upfront for services and then file a claim to get reimbursed for covered expenses.
The other options do not accurately describe indemnity health plans:
- They do not greatly restrict the choice of health care providers; in fact, they offer greater flexibility in choosing providers compared to managed care plans.
- They do not require approval to see a specialist, which is a feature more typical of managed care plans like HMOs (Health Maintenance Organizations).
- They are often not the least expensive; indemnity plans can come with higher premiums compared to managed care plans due to their flexibility and coverage options.