NOTICE: The Office of the Healthcare Advocate is currently closed to public visitors as a protective measure for the safety of customers and staff. We will continue to provide services by email and telephone. The Office of the Healthcare Advocate may be contacted by utilizing our on-line services on our website, by calling our main number at 1-866-466-4446 or by emailing us at

Indemnity Insurance

Health insurance plans are usually described as either indemnity (fee-for-service) or managed care. Indemnity and managed care plans differ in their basic approach. Put broadly, the major differences concern choice of providers, out-of-pocket costs for covered services, and how bills are paid. Usually, indemnity plans offer more choice of doctors (including specialists, such as cardiologists and surgeons), hospitals, and other health care providers than managed care plans. You can choose any doctor you wish and change doctors any time. You can go to any hospital in any part of the country. Indemnity plans pay their share of the costs of a service only after they receive a examining x-ray

Indemnity is the most traditional form of insurance. Although indemnity insurance used to be the most common form of coverage, there are very few such policies in today’s market. To view the Indemnity health plans that are available in Connecticut,
click here.