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I live and work in San Antonio where HMOs are the most common option. I've never offered a PFFS here. I received a lead in nearby Hays Cty (Kyle, Tex) where there is a $0 premium PFFS without Part D. The humana website offers a "Find a Doctor" tab which gives the names of docs that are contracted. From your experience, would docs that don't show up on this website also accept Humana PFFS? My understanding of PFFS is that Medicare rates are paid, so why wouldn't nearly ALL providers accept this program?