Indemnity Plans are a type of health care insurance set up as a fee-for-service plan. You get something done, you pay for it. Typically there are no restrictions on care, and the plan coverage kicks in when you reach a certain deductible. Unlike an HMO, you (or the doctor’s office) will also have to bill the insurance company. The nice thing about indemnity plans is that you can see the doctor you choose and seek second opinions or specialists anywhere in the country. On the other hand, it’s the most expensive way to go, and not every employer offers this plan.