Medicare Advantage Private Fee-for-Service (PFFS) Plans
Today's Options® PFFS
plans are offered in Arizona, Arkansas, California, Colorado, Florida, Georgia, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Montana, Nebraska, New Hampshire, North Carolina, North Dakota, Oklahoma, Tennessee, Texas, Vermont, Virginia, Washington, and Wisconsin.
Today's Options® Network PFFS
plans are offered in Arkansas, Georgia, Indiana, Iowa, Maine, Mississippi, Missouri, New York, North Carolina, Oklahoma, Pennsylvania, South Carolina, Texas, Virginia, and Wisconsin.
Today's Options PFFS
are Medicare Advantage Private Fee-for-Service (PFFS) plans that provide comprehensive medical and hospital coverage, health and wellness benefits, and the option to add prescription drug coverage.
We offer two types of PFFS plans, available based on where you live:
- Today’s Options PFFS: Gives you the freedom to choose which doctors, specialists, and hospitals you visit, provided they participate in the Medicare program and accept the terms and conditions of our plan. You are not locked in to a network of doctors and hospitals. We do not require a referral to see a specialist, and there is no limit on covered office visits so you can see your doctor as often as you choose.
- Today’s Options Network PFFS: Gives you the freedom to choose which doctors, specialists, and hospitals you visit. You may pay less for services received from healthcare providers who are in our broad network. You may see a specialist without a referral. And, there is no limit on covered office visits so you can see your doctor as often as you choose. Providers in the network can change at any time.
All of our PFFS plans have the following benefits*:
- Low doctor visit copays
- Low hospital copays
- Annual out-of-pocket spending limits on medical expenses
- Preventive screenings, such as mammograms and prostate screenings
- Additional service not offered by Original Medicare, such as vision care, hearing care and access to professional nurses 24/7.**
Next Steps...
Find out if
Today's Options PFFS
is available in your area with our
Plan Finder.
A health plan with a Medicare contract.
Today’s Options® PFFS is offered by the following organizations that contract with the Federal government: American Progressive Life & Health Insurance Company of New York and The Pyramid Life Insurance Company, members of the Universal American family of companies.
For PFFS: A Medicare Advantage Private Fee-for-Service plan works differently than a Medicare supplement plan. Your provider is not required to agree to accept the plan’s terms and conditions of payment, and thus may choose not to treat you, with the exception of emergencies. If your provider does not agree to accept our terms and conditions of payment, they may choose not to provide health care services to you, except in emergencies. If this happens, you will need to find another provider that will accept our terms and conditions of payment. Providers can find the plan’s terms and conditions of payment on our website at: www.TodaysOptions.com. For Network PFFS: A Medicare Advantage Private Fee‐for‐Service plan works differently than a Medicare supplement plan. We have network providers (that is, providers who have signed contracts with our plan) for all services covered under Original Medicare. These providers have already agreed to see members of our plan. If your provider is not one of our network providers, then the provider is not required to agree to accept the plan’s terms and conditions, of payment, they may choose not to provide health care services to you, except in emergencies. If this happens, you will need to find another provider that will accept our terms and conditions of payment. Providers can find the plan’s terms and conditions of payment on our website at: www.TodaysOptions.com.
The benefit information provided herein is a brief summary, not a comprehensive description of benefits. For more information contact the plan. We have formed a network of pharmacies. To receive plan prescription drug benefits, you must use a network pharmacy, except in non-routine circumstances, and quantity limitations and restrictions may apply. You may enroll in the plan only during specific times of the year. Contact the plan for more information. You must have Medicare Parts A and B to enroll in the plan. You must continue to pay your Medicare Part B premium. Low Income Subsidy (LIS): You may be able to get Extra Help to pay for your prescription drug premiums and costs. To see if you qualify for extra help, call: 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048, 24 hours a day/7 days a week; The Social Security Office at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY users should call, 1-800-325-0778; or Your State Medicaid Office.
*Benefits, formulary, pharmacy network, premium and/or co-payments/co-insurance may change on January 1, 2013.
**The products and services described above are neither offered nor guaranteed under our contract with the Medicare program. In addition, they are not subject to the Medicare appeals process. Any disputes regarding these products and services may be subject to the Today's Options PFFS grievance process.
Out-of-Pocket
Costs that you may pay for healthcare because they are not covered by your Medicare plan or other insurance.