Moffitt Is Out of Network with Humana Medicare Advantage PPO and HMO Plans
Effective July 1, 2026, Moffitt became out of network for Humana Medicare Advantage PPO and HMO Plans. This change results from Humana's decision to terminate its agreement with Moffitt for business reasons unrelated to the quality of care Moffitt provides.
Note: Humana recently placed automated calls to some established Humana patients stating that a waiver is required to receive care at Moffitt Cancer Center. This information is not correct. To minimize disruption to care during this change, Humana will provide continuation of care at in-network benefits at Moffitt through Dec. 29, 2026. Established patients do not need to take any action to receive these benefits.
What This Means for You
If you’re currently enrolled in a Humana Medicare Advantage plan, your specific coverage may result in the following:
- Higher out-of-pocket costs for services you receive at Moffitt
- Limited coverage for certain treatments or services, or denial of claims for out-of-network care, that you receive at Moffitt
- Additional authorizations or requirements to access Moffitt’s specialized cancer care
Out of Network Doesn’t Mean Out of Options
If your insurance plan or Medicare Advantage coverage no longer includes Moffitt, you may still have options. Our insurance experts can help you explore pathways to care. Please call 813-745-7300 or email FCUinsuranceNavigator@Moffitt.org
Medicare Open Enrollment period is October 15 through December 7
You can make changes to your plan or select a Traditional/Original Medicare plan. With a Traditional Medicare plan, you can be treated at Moffitt, no guessing whether Florida’s top choice for cancer care is in your plan.
What Medicare Advantage Plans are still in network for Moffitt in 2026?
Moffitt is a participating provider for several Medicare Advantage plans, also known as Medicare Replacement. If offered in your area, these plans include Moffitt in network.
- Florida Complete Care Medicare Advantage - Moffitt Cancer Center and Moffitt Medical Group are contracted participating providers.
- Health First - Moffitt Cancer Center and Moffitt Medical Group are contracted participating providers for Health First’s Medicare HMO and PPO plans.
- Moffitt Cancer Center and Moffitt Medical Group will accept all patients with Humana’s Medicare PFFS plan (Humana uses the name “Gold Choice”).
- Velocity National Provider Network - Moffitt Cancer Center is an in-network provider for the Medicare Advantage Velocity National Provider Network.
Moffitt Cancer Center and Moffitt Medical Group also continue to participate in Original Medicare.
Out-of-Network Plans
Some Medicare Advantage plans have out-of-network benefits, allowing you to visit Moffitt at an additional cost. Moffitt Cancer Center has out-of-network arrangements with many Medicare Advantage insurers hosting Preferred Provider Organization (PPO) plans.
Other Frequently Asked Questions
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What if I already changed my Medicare Advantage plan for 2026?
CMS allows changes throughout the Medicare Advantage open enrollment season. The last submitted application on March 31, 2026, is what goes into effect on April 1, 2026. For more information, please refer to Medicare.gov or call 1-800-MEDICARE (1-800-633-4227).
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Will I be able to use the plan at Moffitt in 2026 if I decide not to make a plan change?
Patients with PPO plans may be able to use their out-of-network benefits to access care at Moffitt. Patients with HMO plans that do not have out-of-network benefits will require additional approvals to access care at Moffitt, according to Humana plan’s requirements. Humana’s patient letter indicates that it may extend continuity of care through December 29, 2026, on a case-by-case basis. Moffitt will work closely with Humana to obtain authorizations for patients in active treatment.
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Why will Moffitt no longer be in-network with the plan for 2026?
Moffitt did not choose to leave Humana’s Medicare Advantage network. It was a decision that Humana initiated.
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I am currently enrolled in Original Medicare with Humana Medigap, does this apply to me?
This change only applies to Humana Medicare Advantage plans and not to Original Medicare enrollees with Humana Medigap coverage.
You Have Options
We are committed to ensuring that you continue to have access to the world-class cancer care that Moffitt offers. Here are some steps you can take to ensure uninterrupted care at Moffitt:
- Contact Moffitt: Moffitt’s insurance navigators are here to help. Call the Financial Clearance Unit Hotline at 813-745-7300 or use the Financial Clearance Unit Insurance Navigator email at FCUInsuranceNavigator@Moffitt.org.
- Review Your Insurance Plan: Contact Humana directly to understand how this change impacts your coverage, what your out-of-network benefits are, and what costs you may incur.
- Consider Changing Your Medicare Plan: If you wish to continue receiving your cancer care at Moffitt, you can switch to a Medicare Advantage plan during the open enrollment period ending March 31, 2026. You may consider changing a plan to a Preferred Provider Organization (PPO) and out-of-network benefits.
- Switch to Original Medicare (1-800-Medicare): Based on a major change to your network, Medicare may grant a Special Enrollment Period under exceptional circumstances, allowing you rejoin Original Medicare and purchase a Medicare Supplemental insurance policy without additional reviews of your health status.
We regret any inconvenience this may cause and understand how unsettling this news may be, especially while managing your care. For assistance with finding in-network providers to ensure the continuity of your treatment, we encourage you to contact Humana at the phone number on your ID card. Their representatives are available to help guide you through this transition.
Insurance Coverage