Maybe your regular doctor isn't in your current health plan network. Maybe there’s an out-of-network specialist you prefer for a procedure. Or maybe you just travel extensively outside the regional area of your network covers.
Whatever the reason, you hesitate looking beyond your network because the penalties of going out of network are steep. However, a fixed indemnity health plan pays a set amount of money per covered service. It isn’t subjected to network restrictions. There are no in-network versus out-of-network concerns. You get the same benefit regardless of where you go for care.
So if you’re feeling the pinch of a network with narrow choices, a Hospital and Doctor indemnity plan can give you more options.