Before enrolling in Medicare, it’s essential to know what is covered, especially if you or a loved one have cancer.
Moffitt Cancer Center and Moffitt Medical Group accept Original Medicare and several Medicare Advantage plans (complete list below). As an NCI-designated Comprehensive Cancer Center, Moffitt is your best choice for complex surgeries and innovative cancer treatment options.
For Medicare recipients electing to keep Original Medicare, consider your options for a Medigap policy. Most Medicare Supplements, also known as Medigap policies, are accepted by Moffitt and our providers. However, there are certain Medicare "Select" supplements that limit services to a specific contracted provider network, which may exclude Moffitt's providers.
The Florida Blue Advantage 65 Select Medicare Supplement is currently not accepted by Moffitt since it is known to exclude our providers.
How does Medicare work?
Medicare is health insurance for people 65 or older. You become eligible to sign up for Medicare three months before you turn 65. You may be eligible to get Medicare earlier if you have a disability, End-Stage Renal Disease (ESRD), or ALS (also called Lou Gehrig’s disease).
With Medicare, you have several options for how you get your coverage. Below we discuss Original Medicare, Medicare Advantage and Medigap.
From day one, Moffitt is the first choice for the best outcomes. See our patient outcomes.
Original Medicare Plan
Original Medicare includes Part A (hospital insurance) and Part B (medical insurance). Under this plan, you can use any doctor or hospital that takes Medicare, which includes Moffitt Cancer Center.
You may also join a separate Medicare drug plan to get Medicare drug coverage (Part D).
Medicare Advantage Plan (also known as Part C)
Moffitt is a participating provider for several Medicare Advantage, also known as Medicare Replacement, plans. Make sure that Moffitt and our physicians are part of your Medicare Advantage plan during Medicare's open enrollment period. A recent study shows patients who require complex surgeries have better outcomes at an NCI-Comprehensive Cancer Center such as Moffitt.
View the complete list of coverage for the Medicare Advantage Plan (also known as Medicare replacement plan):
- Aetna - Moffitt Cancer Center and Moffitt Medical Group are contracted, participating providers for Aetna's Medicare HMO and PPO plans.
- Blue Cross Blue Shield of Florida (Florida Blue)
- The Moffitt Cancer Center and Moffitt Medical Group are contracted, participating providers for Florida Blue's Medicare HMO and PPO plans. Moffitt is not in-network with Blue Cross Blue Shield's Medicare Preferred HMO plan.
- Moffitt Cancer Center is not contracted or participating with "Advantage 65", which is a Medicare Select supplement. Patients with Advantage 65 can come to Moffitt with their Original Medicare primary insurance but their Advantage 65 supplement will not pay its supplemental portion. Patients can call BCBS to switch to a traditional Medicare supplement (BCBS uses the name CompCoverage).
- 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 are contracted, participating providers for Humana's Medicare HMO plan (Humana uses the name "Gold Plus"). However, this HMO plan requires that all services be authorized by the patient's Primary Care Physician.
- Moffitt Cancer Center and Moffitt Medical Group are contracted, participating providers for Humana's Medicare PPO plan (Humana uses the name "ChoicePPO").
- Moffitt and MMG will accept all patients with Humana's Medicare PFFS plan (Humana uses the name "Gold Choice").
- Molina Medicare Advantage HMO/PPO - Moffitt Cancer Center and Moffitt Medical Group are contracted participating providers for Molina Medicare Advantage HMO and PPO plans.
Learn more about the differences between Original Medicare and Medicare Advantage.
A Medigap policy helps fill "gaps" in Original Medicare and is sold by private companies. There are many forms of Medigap policies, each offering different benefits. It may help to compare the coverages and costs to your needs. These plans can help pay some remaining healthcare costs such as copayments, coinsurance and deductibles. Your initial Medigap open enrollment period is the best time to buy a Medicare Supplement policy.
During that time, you can buy any Medigap policy sold in your state, even if you have prior medical conditions. If you're able to purchase a Medigap plan later, options may be limited, or it may cost more due to past or present health conditions. For more information, visit our Medigap FAQ page.
IMPORTANT MESSAGE: The Centers for Medicare & Medicaid Services (CMS) announced that Medicare will cover low-dose CT lung cancer screenings for high-risk beneficiaries between the ages of 55-74. It was scientifically proven in 2010 that screening can reduce overall death from lung cancer, which is currently the No. 1 cancer killer in the U.S. by at least 20%. Learn more about our Lung Cancer Screening and Surveillance Program.
To better prepare yourself when talking with your insurance company, these are some questions to help you enroll in a Medicare plan.
View our Glossary of Terms
Check if Moffitt Cancer Center and Moffitt Medical Group are in-network for your Commercial or Medicare plan.