How does indemnity insurance differ from managed care insurance?

Indemnity insurance is distinctive in that it provides greater flexibility for policyholders regarding their choice of healthcare providers. With indemnity insurance, individuals can see any doctor or specialist they wish, and they are not restricted to a specific network of providers. This is particularly appealing to those who value the ability to choose their healthcare professionals without limitations.

On the other hand, managed care insurance is designed with a focus on cost control and efficiency. It operates through established networks of healthcare providers, which often helps in reducing overall medical costs. Patients enrolled in managed care plans usually require referrals to see specialists and are encouraged to use providers within their network to maximize their benefits.

This fundamental difference in structure and purpose underscores how indemnity insurance gives policyholders more freedom and choice in their healthcare decisions, while managed care seeks to manage costs and streamline care delivery through a more organized network of providers.