What flexibility does a Private Fee-for-Service (PFFS) plan offer its members?

A Private Fee-for-Service (PFFS) plan is designed to offer its members flexibility in their healthcare choices, particularly in terms of selecting providers. The correct answer highlights that members can choose any doctor who accepts Medicare and agrees to the plan's terms, which can include the rates the plan is willing to pay for services.

This flexibility is a key feature of PFFS plans. Unlike HMO or PPO plans, which may require members to use a specific network of providers, PFFS plans allow members to see any Medicare-certified provider as long as that provider agrees to the payment terms set by the plan. This can be particularly advantageous for individuals who may have established relationships with certain doctors or who wish to access specialists more freely.

In contrast, the incorrect options reflect limitations that are not characteristic of PFFS plans. For example, access only to specialists within a network would restrict member choice, which is not the intent of PFFS. Unlimited benefits without additional costs is unrealistic, as PFFS plans still have cost-sharing elements like deductibles and copays. Lastly, mandatory referrals for all specialist services contradicts the PFFS model, as such requirements are more aligned with managed care plans like HMOs, where a primary care physician