Mr. McTaggert notes that a Private Fee-for-Service (PFFS) plan available in his area has an attractive premium. He wants to know what makes them different from an HMO or a PPO. What should you tell him?

The Private Fee-for-Service (PFFS) plan over HMO or a PPO:

I would tell Mr. McTaggert that the ones who get enrolled in a PFFS plan can avail service from any original medicare service provider in the United States.

The only two conditions are that the provider should have a valid reason and opportunity to get all the information about the terms and conditions of the plan and the provider should agree to accept the terms and conditions.

While telling how the three plans that Mr. McTaggert has a choice to choose from, I would tell him the differences between all three while emphasising on PFFS plan because it is the more beneficial the HMO and PPO plans. HMO is Health Maintenance Organisation and PPO is Preferred Provider Organisation.

The PFFS members do not require any referrals from the primary doctor to consult a specialist.