Which characteristic is unique to indemnity plans compared to managed care plans?

Indemnity plans are characterized by their flexibility in allowing patients to choose any healthcare provider without restrictions. This means that individuals enrolled in indemnity plans have the freedom to visit any doctor or specialist they prefer, regardless of whether that provider is in a network. This choice is a significant distinction from managed care plans, which typically impose network restrictions and may require patients to use specific providers to receive full benefits.

In contrast, managed care plans often have controlled networks that limit patient options and may require referrals from primary care physicians to see specialists. Additionally, many managed care plans include lower out-of-pocket costs and copays, but they often trade off patient choice in return for these benefits. Thus, the ability to freely select providers is the defining unique characteristic of indemnity plans compared to managed care options.