Explaining Indemnity Health Insurance Policies
Group Health Insurance California

Group health insurance groups of California offer a slightly different choice of group health coverage. This is canned an indemnity health insurance policy. With a group health insurance of California indemnity policy you are allowed to choose any doctor and any hospital you want when you need health care. An indemnity health insurance is considered a pay for service policy. You will pay for services that are eligible with your plan based on policy rules. A group health insurance of California indemnity plan may cost more than an HMO or PPO plan but the positive to this is you are free to choose which doctor and hospital you want to use.

There are some important points to remember if you decide to choose an indemnity health insurance with a group health insurance company of California. First, you may have a deductible just as you would with an HMO or PPO plan.

After this deductible is paid, you will then need to pay a co-payment. This is the percentage of the total cost of your bill after the deductible. For example, if a charge for a hospital stay is $2000 and you have a $500 deductible, the balance is $1500. If your co-payment were 20 percent you would own an another $300.

The biggest benefit to having an indemnity group health insurance in California is that you have freedom of choice. There are few if any limits on which doctor or specialist you may visit, or which hospital you choose to be admitted to.

You may have limits on locations, so you will want to check with your provider to see if they will cover you if doctor is not in your geographical region. Indemnity group health insurance plans in California do not cover preventive services. This means that yearly physicals and other routine checkups will not be covered by their plan. They also may not count towards your deductible.

Be sure to read the policy booklet that your provider gives you. It will give you the terms and conditions of all your policy covers. If you are unsure about your indemnity group health insurance of California, ask your insurance agent, or your insurance company to explain everything that is unclear. An indemnity group health insurance plan in California may be your best option to ensure you will be able to see the doctor you have trust in, and choose which clinic or hospital you will have treatment.