What is a significant advantage of a Private Fee-for-Service (PFFS) plan compared to an HMO?

A significant advantage of a Private Fee-for-Service (PFFS) plan compared to a Health Maintenance Organization (HMO) is that it allows patients to see any doctor who accepts the plan's payment terms. This flexibility is a core feature of PFFS plans, enabling members to access a broader range of healthcare providers without the constraints of a defined network, as is typical with HMOs.

In an HMO, members are usually required to choose a primary care physician and get referrals to see specialists, which limits their choices and access to care. Furthermore, HMO structures often include strict networks of providers, meaning care is generally limited to those within the network. In contrast, PFFS plans prioritize patient choice and access, making it easier for individuals to seek care from various doctors and specialists who are willing to accept the PFFS plan's payment terms. This stands out as a major benefit for those who value flexibility and autonomy in selecting their healthcare providers.