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.
Portable Benefits Coverage
The BlueCard® PPO program links you directly to care anywhere in the country and in the world. So, whether traveling or living in another state, members can take advantage of their benefits by presenting their ID cards to any participating doctor or hospital. Once enrolled, members simply carry our easily identifiable ID cards with a PPO in a suitcase logo, which lists a toll-free number to help reach a BlueCard PPO provider.