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Home > Glossary > private fee-for-service plan

private fee-for-service plan

What is a private fee-for-service Medicare plan?

Private fee-for-service plans are a type of Medicare Advantage plan. Some have provider networks, while others will allow you to receive care from any hospital or doctor that accepts the plan’s payment rates.¹

Reimbursements to doctors are not the same as they’d be under Original Medicare, and doctors are free to determine whether or not they’ll accept the plan’s patients. Enrollees in private fee-for-service plans do not need to have a referral from a primary care doctor to see a specialist.

Private fee-for-service plans sometimes include prescription drug coverage, but if they don’t, you’re allowed to purchase a stand-alone prescription drug plan (that’s not the case with other Medicare Advantage plans, unless they’re Medicare Medical Savings Account Plans).²

Footnotes

”Private Fee-for-Service (PFFS) Plans” Medicare.gov. Accessed June 27, 2025 ⤶
”Understanding Medicare Advantage Plans” and “Your Guide to Medicare Drug Coverage” Medicare.gov. Accessed June 27, 2025 ⤶

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private fee-for-service plan

What is a private fee-for-service Medicare plan?

What is a private fee-for-service Medicare plan?

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