A less common Advantage plan that often skips networks entirely. With a Private Fee-for-Service plan you can see any Medicare provider who agrees to the plan's terms. Here is what that means.
A PFFS (Private Fee-for-Service) Medicare Advantage plan sets its own payment terms with providers rather than relying on a fixed network. You can see any doctor or hospital that accepts Medicare and agrees to the plan's payment terms and conditions. The plan decides how much it pays and how much you pay for each service.
Some PFFS plans include prescription drug coverage and some do not, so it is important to confirm before enrolling. The key thing to know: a provider can choose whether to accept the plan on any given visit.
See any Medicare provider who agrees to the plan's terms, which can mean wider access.
Doctors can decline the plan visit to visit, so it is smart to confirm ahead of time.
Some PFFS plans include Part D and some do not. We confirm this for you.
PFFS can appeal to people in areas with limited HMO or PPO networks, or who want provider flexibility without a defined network. Because acceptance can vary by visit, it is not for everyone. We will tell you honestly whether a PFFS plan, an HMO, a PPO, or a Medicare Supplement is the better fit for your doctors and budget.
Real reviews from the people we have helped choose the right Medicare plan.
We will check your doctors, your medications, and the plans in your area, then show you the options side by side. No fees, no obligation, no pressure.
Cole Insure, LLC is a licensed independent insurance agency. This is a solicitation for insurance. We do not offer every plan available in your area. Currently we represent 10 or more organizations which offer 30 or more products in your area. Plan features, provider acceptance, premiums, and availability vary by carrier and by county and can change each year. Please contact Medicare.gov, 1-800-MEDICARE (TTY 1-877-486-2048) 24 hours a day, 7 days a week, or your State Health Insurance Assistance Program (SHIP) to get information on all of your options. Medicare has neither reviewed nor endorsed this information. We are not affiliated with or endorsed by the U.S. government or the federal Medicare program. Details are current as of 2026 and subject to change.