With an Indemnity Health Plan there are no in-plan doctors or specialists or hospitals. With an Indemnity Health Plan you choose your own doctor or specialist or hospital with no regard for whether they are in-plan or not. Many people appreciate the unlimited choices that an Indemnity Health Plan makes possible. The trade-off is cost. With an HMO, PPO or a POS health plan there are doctors, specialists and hospitals which have agreed to reduce prices in order to be part of the plan. That's not the case with an Indemnity Health Plan. Sometimes you have to do your own billing.