Moffitt Out of Network for Humana Medicare Plans
The short answer
As of July 1, 2026, Moffitt Cancer Center is out of network for Humana Medicare Advantage (PPO and HMO) plans, after also leaving Aetna's Medicare Advantage network on December 1, 2025. Moffitt continues to accept Original Medicare (with or without a Medicare Supplement). If you're affected, ask your plan about continuity-of-care protections and have your options reviewed before making any change.
If you or a family member receives care at Moffitt Cancer Center and you're on a Humana Medicare Advantage plan, there was a significant change this week: as of July 1, 2026, Moffitt is out of network for Humana Medicare Advantage PPO and HMO plans, per Moffitt's insurance notice. This follows Moffitt's exit from Aetna's Medicare Advantage network on December 1, 2025.
That's two major carrier networks in eight months at the region's nationally recognized cancer center. If it feels confusing, you're not alone - and there are concrete steps you can take.
What actually changed
Medicare Advantage plans use provider networks. When a hospital and a carrier don't reach contract terms, the hospital becomes "out of network" - which usually means higher out-of-pocket costs on PPO plans and, on most HMO plans, no routine coverage at that facility at all.
Moffitt continues to accept Original Medicare. That distinction matters: people with Original Medicare (with or without a Medicare Supplement / Medigap plan) can generally receive care at any provider in the country that accepts Medicare - network changes like this one don't affect them.
If you're in active treatment at Moffitt
Ask your plan about continuity of care protections before anything else. Patients in an active course of treatment can sometimes continue seeing an out-of-network provider at in-network cost for a period of time. Call the number on your member card, ask specifically about continuity of care for ongoing treatment at Moffitt, and get the answer in writing. Moffitt's financial clearance team can also confirm how your specific plan is being handled.
What your options look like
Stay and understand your costs. On a Humana PPO, Moffitt may still be available out-of-network at higher cost sharing. On an HMO, routine care at Moffitt is generally not covered. Ask your plan for specifics before scheduling.
Check whether your situation qualifies for a Special Enrollment Period. Enrollment outside the annual windows is limited, and a network change does not automatically qualify everyone. Some situations do. This is exactly the kind of question a licensed advisor can answer for your specific circumstances at no cost.
Plan for the Annual Enrollment Period (October 15 - December 7). Every Medicare Advantage and Part D enrollee can review and change coverage for the following year. If Moffitt access matters to you, this fall's review should be built around it - including which carriers Moffitt participates with at that time, since participation can change again.
Understand the Original Medicare + Medigap path. Because Moffitt accepts Original Medicare, some patients consider moving from Medicare Advantage back to Original Medicare with a Supplement. This is a significant decision: outside protected windows, Medigap plans in Florida can apply medical underwriting, and prescription coverage needs its own plan. Get real guidance before attempting this change.
The bigger lesson for Tampa Bay
Networks are contracts, and contracts change - sometimes mid-year. The right response isn't fear; it's building your coverage decisions around the doctors and facilities you actually use, and reviewing them every year. That's the entire basis of how we do plan reviews: doctors first, prescriptions second, then the plan.
If you're affected by the Moffitt change - or just want to know whether your hospitals and doctors are in your plan's network for 2026 - we'll check at no cost, with no pressure and no obligation. For the full picture across the region's major systems, see our Tampa Bay hospital networks guide.
Frequently Asked Questions
Is Moffitt Cancer Center still in network with Humana Medicare Advantage?
No. Effective July 1, 2026, Moffitt is out of network for Humana Medicare Advantage PPO and HMO plans, according to Moffitt's own insurance notices. Moffitt also left Aetna's Medicare Advantage network on December 1, 2025. Always confirm current network status directly with the plan and with Moffitt, because participation can change.
Does Original Medicare still cover treatment at Moffitt?
Yes. Moffitt accepts Original Medicare, and people with Original Medicare plus a Medicare Supplement (Medigap) plan can generally see any provider in the country that accepts Medicare, including Moffitt. Medigap enrollment outside your protected windows may involve medical underwriting, so review that decision carefully with a licensed advisor.
Can I switch plans right now because my hospital left the network?
It depends. Medicare enrollment is limited to specific windows, and a provider leaving a network does not automatically create a Special Enrollment Period in every situation. Some circumstances do qualify for an SEP, and everyone can make changes during the Annual Enrollment Period (October 15 to December 7). A licensed advisor can check what applies to your specific situation at no cost.
What is continuity of care and do I qualify?
Continuity of care protections can let patients in active treatment - for example, an ongoing course of cancer treatment - continue seeing an out-of-network provider at in-network cost for a period of time. Eligibility and duration depend on the plan and your treatment situation. Call your plan directly, and get the answer in writing.
Which Tampa Bay hospitals accept my Medicare Advantage plan?
It varies by hospital system and carrier, and it changes. Tampa General Hospital publishes a list of accepted Medicare Advantage plans, and Moffitt publishes its insurance participation. AdviseCare offers a no-cost network check that compares your doctors and hospitals against plans available in your ZIP code.
Worried about your hospital network?
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