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Many people buy annuities to give them retirement income for the rest of their lives . This type of coverage generally assumes that the medical provider ( usually a doctor or hospital ) will be paid a fee for each service rendered to the patient - - you or a family member covered under your policy . In most cases , beneficiaries enrolled in the private fee-for-service plan will pay less to see a doctor than under Original fee-for-service . The list may also include a person who has sold his or her business , a couple that has sold its home , a widow or divorcee who needs the most income possible but wants safety in terms of monthly payments , a grandparent who wants to provide for grandchildren or someone who has had a big income for one or two years but who ca n't be certain about the future . Also covered are losses resulting from flood-related erosion caused by waves or currents of water activity exceeding anticipated cyclical levels and accompanied by a severe storm , flash flood , abnormal tidal surge , or the like , which result in flooding , as defined . In the absence of immediate reaction from main Arab and Muslim capitals , due primarily to the fact that public administrations are closed on Friday in most Muslim nations , the Cairo-based Arab League said that Israel had made " no major concessions to merit such a decision " , referring to the Shalom-Kasuri meeting . Usually with a preferred provider organization you are not required to have a primary care physician and do not need a referral to see a doctor outside the plan . Pakistan has arrested many and is pursuing the arrests of the rest . Medicare forbids its health plans from making any rules that would stop a doctor from telling you everything you need to know about your health care .