One way in which health plans differ from traditional indemnity plans is that health plans...

provide less extensive benefits than those provided under traditional indemnity plans

place a greater emphasis on preventive care than do traditional indemnity plans

require members to pay a percentage of the cost of medical services rendered after a claim is filed, rather than a fixed copayment at the time of service as required by indemnity plans

contain cost-sharing requirements that result in more out-of-pocket spending by members than do the cost-sharing requirements in traditional indemnity plans