Private Fee-for-Service (PFFS) Plans

A Medicare PFFS Plan is a type of Medicare Advantage Plan (Part C) offered by a private insurance company. PFFS plans aren’t the same as Original Medicare or Medigap. The plan determines how much it will pay doctors, other health care providers, and hospitals, and how much you must pay when you get care. The PFFS plan:

  • Pays providers on a fee-for-service basis without placing the providers at financial risk.
  • Varies provider payment rates only based on the specialty or location of the provider or to increase utilization of certain preventive or screening services.
  • Does not restrict members’ choices among providers that are lawfully authorized to furnish services and accept the plan’s terms and conditions of payment.
  • Does not permit the use of prior authorization or notification.

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Private Fee-for-Service (PFFS) Plans

If you join a PFFS Plan that has a contracted network of providers, you can also see any of the network providers who have agreed to always treat plan members. If you go to a doctor, other health care provider, facility, or supplier that doesn’t belong to the plan’s network for non-emergency or non-urgent care services, your plan may not cover your services, or your costs could be higher.

Are prescription drugs covered? Prescription drugs may be covered in PFFS Plans. If your PFFS Plan doesn’t offer drug coverage, you can join a separate Medicare Drug Plan (Part D) to get coverage.

Do you need to choose a primary care doctor?

You don’t need to choose a primary care doctor in PFFS Plans.

Do you have to get a referral to see a specialist?

You don’t have to get a referral to see a specialist in PFFS Plans.