With ___________________________, an enrollee pays a premium to a health insurer, and the health insurer contracts with separate providers to deliver healthcare services. Providers can charge anything above a stipulated amount and collect the remainder directly from the patient.

Question

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Indemnity insurance allows enrollees to choose their healthcare providers and pays a fixed portion of the cost, leaving any excess charges to be paid by the patient. This contrasts with managed care plans, which typically have more restrictions on provider choice and cost-sharing mechanisms.

With ___________________________, an Enrollee Pays a Premium to a Health