What is a key feature of a PFFS plan?

A PFFS (Private Fee-for-Service) plan offers members the flexibility to choose any healthcare provider who agrees to accept the plan's payment terms. This key feature allows members to receive care from various providers, including those outside their local area, even when traveling within the United States. This characteristic sets PFFS plans apart, providing a level of autonomy that encourages members to seek care based on their needs rather than being confined to a narrow network of in-network providers.

The other options reflect restrictions or requirements not typical of PFFS plans. For instance, limiting members to in-network providers is generally a feature of HMO or PPO plans. The necessity for prior authorization and mandating a primary care physician are also requirements typically associated with managed care plans rather than PFFS plans, which prioritize flexibility and provider choice.