Fee-for-ServiceAdvantages for using a fee-for-service plan is that it provides the most flexible type of health insurance that is made available to everyone. In a fee-for-service plan the doctors can be seen by patients wherever it is needed which can include out of state visits for the insurance policy. Along with this there are not any waiting periods associated or required when seeking the advice and the consultation of a specialist in a fee-for-service plan.Disadvantages that can be seen in a fee-for-service plan is that it have the highest premiums out of all the different types of health insurance. Along with this the deductible amounts have to be met by the patients before their co-payments kick in. The insurance companies will also not reimburse the patient for the cost of any services and the patients are responsible for 20% or so of their medical expenses. These services have to be paid out of the patients pocket until they are reimbursed by the insurance company. They must also complete their own claim forms and are held responsible for all of the medical paperwork of their claims and there is not much attention provided to care and preventive medicine in a fee-for-service plan.