Skip to content
PFFS Plans
A Private Fee-For-Service (PFFS) plan is a type of Medicare Advantage plan that is offered by private insurance companies.
FREE Consultation
By clicking the button and submitting this form, I agree that I am 18+ years old and agree to the Privacy Policy and Terms and Conditions. By clicking the button and submitting this form, I provide my signature giving express consent to receive marketing communications via automated telephone dialing systems, artificial or pre-recorded voices, emails, live phone calls, pre-recorded calls, postal mail, text messages via SMS or MMS and other forms of communication regarding offers Life Insurance, Final Expense, Medicare, Health Insurance, Home/Auto Insurance or other products from Insured for Life or from our marketing partners and agents to the number(s) and/or email I provided, including a mobile phone, even if I am on a state or federal Do Not Call and/or Do Not Email registry. The list of companies participating are subject to change. Message frequency varies and represents our good faith effort to reach you regarding your insurance inquiry. Message and data rates may apply. Text HELP for help or text STOP to cancel. I understand that my consent to receive communications is not a condition of purchase and I may revoke my consent at any time.
How Do PFFS Plans Work?
Since PFFS plans are types of Medicare Advantage plans, they will provide the same coverage as you would have received with Original Medicare (Parts A and B). They may also provide you with additional benefits:
- Dental, vision, or hearing coverage
- Memberships to a gym
- Nutrition and wellness programs
- Prescription drug coverage
- Transportation to doctor appointments
- Adult daycare services
The area you live in and the plan providers available will determine which of these benefits you will be eligible for. Keep in mind that if your PFFS plan doesn’t provide prescription drug coverage, you can join a Part D prescription drug plan.
With PFFS plans, you won’t have to choose a primary care doctor or get referrals to see specialists. However, there may or may not be a healthcare provider network. To find out if there is, you can get in touch with one of our Medicare experts to make sure.
PFFS plans will also determine how much it will pay your healthcare provider, as well as how much you will pay for your covered health services. This is different compared to other plans as Medicare will typically decide what these rates will be. Due to this key aspect, you will want to confirm with your healthcare provider if they will accept your plan’s payment terms before you receive any services.
When Can I Enroll?
You can enroll in a PFFS plan by using one of Medicare’s enrollment periods:
- Initial Enrollment Period
- Annual Enrollment Period
- Special Enrollment Period
- Medicare Advantage Open Enrollment Period
Learn More
To learn more about PFFS plans and if it’s the right choice for you and your coverage needs, reach out to Insured For Life today!
