What is a key feature of Private Fee-for-Service (PFFS) plans?

Private Fee-for-Service (PFFS) plans are a type of Medicare Advantage plan that provide beneficiaries with the flexibility to see any healthcare provider that accepts the terms and conditions of the plan. A key feature of PFFS plans is that while they may choose to offer Part D prescription drug coverage, they are not required to do so. This flexibility allows beneficiaries to select a PFFS plan that aligns with their healthcare needs and preferences, without being constrained by mandatory drug coverage.

In contrast to other plan types, such as Health Maintenance Organizations (HMOs), PFFS plans do not require members to have a primary care doctor or obtain referrals for specialist services, which allows for greater freedom in choosing healthcare providers. This feature enhances the appeal of PFFS plans among beneficiaries who seek varied options in their healthcare arrangements.