What does a fee-for-service or indemnity plan allow patients to do?

A fee-for-service or indemnity plan is designed to provide patients with flexibility in their healthcare choices. The correct response highlights that these plans allow patients to seek medical services from any provider, without restrictions on specific networks or requiring referrals. This kind of plan enables individuals to choose their healthcare professionals based on their preferences or needs, significantly increasing patient autonomy in managing their healthcare.

This contrasts with other types of plans that might restrict patient choices, limit the network of providers, or impose additional requirements like referrals for specialty care. Therefore, option B accurately describes the essence of fee-for-service plans, emphasizing the freedom patients have in selecting their providers.