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Medicare Advantage Private Fee-for-Service (PFFS) Plans

Offered in all states, except Alaska, Delaware, New Mexico, Rhode Island and Wyoming

Universal American’s Today’s Options® PFFS Private Fee-for-Service plan is here to stay in 2010.

A Medicare Advantage Private Fee-For-Service (PFFS) Plan is a type of Medicare Advantage Plan (Part C) in which you have the freedom to choose any doctor or hospital that accepts the plan’s terms and conditions.*

With Today’s Options PFFS, you will also receive:

  • Low copays, monthly plan premiums**, and deductibles***
  • Annual out-of-pocket spending limit on medical expenses
  • Low copays for annual dental and vision exams
  • $0 copays for preventive screenings
  • An option to add Part D coverage “powered by CCRx”, including some plans with coverage in the gap
  • Generous health and wellness benefits

And

 

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*A Medicare Advantage Private Fee-for-Service plan works differently than a Medicare supplement plan. Your doctor or hospital can continue to treat you if it agrees to accept our terms and conditions of payment, and thus may choose not to treat you, with the exception of emergencies. If your doctor or hospital does not agree to accept our payment terms and conditions, they may choose not to provide health care services to you, except in emergencies. Providers can find the plan’s terms and conditions on our website at: www.todaysoptions.com.

**You must continue to pay your Medicare Part B premium

***The benefit information provided herein is a brief summary, but not a comprehensive description of available benefits. Additional information about benefits is available to assist you in making a decision about your coverage. This is an advertisement; for more information contact the plan.

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Copay

This is a fixed dollar amount that you pay when your plan does not cover 100% of the cost of your medicines. For example, if you pay a certain amount for a medicine, or for a visit to the doctor, that amount is your copay.

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Coverage Gap (sometimes referred to as the “donut hole”)

The third phase of Medicare Part D coverage following the Initial Coverage phase. You reach this phase after the total annual drug costs paid by you and your prescription drug plan have reached $2,830 (not counting your plan premium payments). While in the Coverage Gap phase you are responsible for paying 100% of your prescription costs until you have paid $4,550 in true out-of-pocket costs.

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Deductible

A specific dollar amount you may be required to pay out of pocket before your plan begins to cover your prescriptions.