What is the only plan offered by UHC that provides non-network PFFS plans?

The only plan offered by United Healthcare that provides non-network Private Fee-for-Service (PFFS) plans is indeed the PFFS plan. This type of insurance allows beneficiaries to receive services from any provider that agrees to the plan’s payment terms, without requiring the network affiliations that other plans might impose.

PFFS plans are distinctive in that they do not have a specific network of providers; instead, they allow members the flexibility to see any doctor or specialist who accepts Medicare and is willing to provide care under the terms of the PFFS plan. This flexibility is particularly advantageous for individuals who reside in areas with fewer healthcare providers or for those who frequently travel and may need care in different locations.

In contrast, plans like HMO (Health Maintenance Organization) and PPO (Preferred Provider Organization) typically have established networks and require members to go through specific channels for accessing care, with higher costs incurred when seeking care outside these networks. SNP (Special Needs Plans) also focus on serving particular groups, such as those with specific chronic conditions, which adds further limitations on provider selection and is not focused on the same non-network approach as PFFS.

Thus, the PFFS plan stands out as the option that uniquely allows for non-network flexibility in provider