Traditional coverage , or “indemnity” as it is often referred to, offers the most freedom and flexibility. Traditional members may choose any doctor, specialist or hospital that they want, including their primary care physicians. Most traditional plans have a deductible associated with this type of plan. A deductible is a set amount that members must pay out-of-pocket each year before their insurer begins to pay for covered medical care.

Click here to see HMOs, POS, PPOs and traditional plans compared at a glance.

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