Indemnity plans __________.

Indemnity plans are a type of health insurance that provides a high degree of flexibility to policyholders. The key feature of these plans is that they allow employees to seek care from any physician or healthcare provider without needing a referral or prior approval. This distinctive aspect enables employees to receive treatment from various doctors and specialists, promoting autonomy in their healthcare decisions.

Under an indemnity plan, the organization only incurs costs when employees actually utilize health services. This means that the employee pays for the medical services upfront, and the insurance reimburses them a percentage of those expenses after certain deductibles or out-of-pocket limits are met. This structure is particularly beneficial for those who prefer to manage their healthcare choices independently, as well as for those who might seek services from various providers without network restrictions.

The other choices either describe features typical of managed care plans, such as requiring a primary care physician, or classify the plans themselves in ways that do not accurately reflect indemnity plans, such as focusing only on preventative care or being considered high-deductible health plans. Indemnity plans value the employee's freedom of choice and financial responsibility, making the correct answer to the question clear.