Which plan has no network?

Which plan has no network?

• A. Indemnity
• B. HMO
• C. PPO
• D. EPO

Answer: (A)

Indemnity plans are traditional fee-for-service arrangements that don’t tie you to a specific network of providers. You can visit any doctor or hospital, pay the charges, and be reimbursed for eligible costs after deductibles and coinsurance. Because there’s no contracted network guiding your choices, the plan effectively has no network. In contrast, HMOs require you to use a defined network and often require referrals, PPOs have a broad network with some out-of-network coverage at higher costs, and EPOs rely on a network with limited or no out-of-network coverage. So the plan with no network is the indemnity option.

Indemnity plans are traditional fee-for-service arrangements that don’t tie you to a specific network of providers. You can visit any doctor or hospital, pay the charges, and be reimbursed for eligible costs after deductibles and coinsurance. Because there’s no contracted network guiding your choices, the plan effectively has no network. In contrast, HMOs require you to use a defined network and often require referrals, PPOs have a broad network with some out-of-network coverage at higher costs, and EPOs rely on a network with limited or no out-of-network coverage. So the plan with no network is the indemnity option.