What should Mrs. Roberts consider when selecting a Private Fee-for-Service (PFFS) plan?

When selecting a Private Fee-for-Service (PFFS) plan, Mrs. Roberts should consider options that include medical benefits, drug coverage, or both. This is crucial because PFFS plans can vary significantly in terms of the services they cover. Ensuring coverage for both medical benefits and prescription drug coverage helps to provide comprehensive care, which is essential for individuals who may require various types of medical treatment or medication.

When choosing a PFFS plan, it is important for individuals to evaluate the range of services provided to meet their health care needs effectively. Medical benefits are fundamental for addressing everyday health requirements, while prescription drug coverage is necessary for managing medications, particularly for chronic conditions. Having both aspects covered in the selected plan ensures a more complete health care solution.

Considering just emergency services or focusing solely on a Medicare Advantage plan limits the scope of Mrs. Roberts' options. It's also not mandatory for a PFFS plan to come with a stand-alone prescription drug plan, meaning that by focusing on those aspects, she may overlook more advantageous coverage choices that combine both medical and drug benefits.