What are the disadvantages of a Fee-for-Service (FFS) health plan?

Dr. Michael Roizen, MD
Internal Medicine

The disadvantage of a Fee-for-Service (FFS) health plan is that you pay a lot for freedom. First of all, before you even schedule an appointment with a doc, you’re coughing up a higher premium than your buddies with HMOs, PPOs, or POS plans. And once you get to your appointment, you have to pay in full, out-of-pocket for the visit. No discounts here! And if the doc charges more or treatments cost more than what your plan deems “usual, customary, and reasonable,” then YOU, my friend, cover the difference. Finally, the responsibility falls on YOU to file the doctor’s bill to be reimbursed by your insurance company.

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Important: This content reflects information from various individuals and organizations and may offer alternative or opposing points of view. It should not be used for medical advice, diagnosis or treatment. As always, you should consult with your healthcare provider about your specific health needs.