Traditional Indemnity


A Horizon Blue Cross Blue Shield indemnity health plan is a fee-for-service health plan with the freedom to select any doctor and hospital for medical care. Members may also use providers in our network, including those providers in the national BlueCard® traditional indemnity network.

Do I need to choose a PCP?

Members do not need to select a Primary Care Physician (PCP) and do not need referrals to access specialty care. Members can access any network doctor or hospital at any time and enjoy the in-network level of benefits. Members can also use any doctor or hospital not in the network and receive an out-of-network level of coverage.

Easy Service—No Hassles

With the indemnity health plan, members do not need to select a PCP, and referrals are not needed to access specialty care.

Finding in-network doctors and hospitals

Members can locate doctors and hospitals using our Doctor & Hospital Finder.