Which type of plan allows customers to go to any doctor or hospital that accepts their terms?

A Private Fee for Service (PFFS) plan provides the flexibility for customers to seek care from any doctor or hospital that accepts the terms of the plan. This means that beneficiaries are not restricted to a predefined network of providers, unlike other types of plans, which often have network limitations or require referrals for specialist visits. In a PFFS plan, the member can receive services from any provider that agrees to accept the plan's payment terms, thus ensuring greater choice and accessibility in healthcare services.

This characteristic is a defining feature of PFFS plans, differentiating them from Health Maintenance Organization (HMO) plans, which typically require members to choose a primary care physician and get referrals for specialists, or Preferred Provider Organization (PPO) plans, which offer a network of preferred providers but still involve some guidelines for utilization. Medicare supplement plans also work differently, as they primarily help cover costs not paid by Medicare, rather than providing direct access to care from any provider.