PFFS
A Private Fee-for-Service plan. You can see any Medicare-approved provider who agrees to the plan's payment terms — no network restrictions. Learn about pros, cons, and coverage details. Get free guidance from licensed agents.
Pros
Lower monthly premiums
Coordinated care through a primary doctor
Often includes extra benefits like dental and vision
Predictable out-of-pocket costs
Cons
Must use in-network providers
Referrals required for specialists
Limited flexibility for out-of-network care
Coverage varies by region
