Which Medicare plans does Moffitt accept?
Moffitt says it accepts Original Medicare and lists Florida Complete Care Medicare Advantage HMO as in network. It also accepts patients with Humana Gold Choice private fee-for-service coverage and names other out-of-network options. Its general list does not clearly identify every 2027 plan. Before choosing, confirm your exact plan, location, doctor and service date with Moffitt and the insurer.
| Medicare option | Moffitt status |
|---|---|
| Original Medicare | Accepted |
| Medigap (Medicare Supplement) | Most are accepted. Moffitt names Florida Blue Advantage 65 Select as not accepted, because it excludes Moffitt's providers |
| Humana Medicare Advantage PPO and HMO | Out of network since July 1, 2026 |
| Humana Gold Choice private fee-for-service | Moffitt says it accepts patients with this plan; confirm your benefits |
| Aetna Medicare Advantage PPO and HMO | Out of network since December 1, 2025 |
| Florida Blue Medicare Advantage PPO and HMO | Moffitt lists these as out of network, with an agreement for certain services not available in network, including transplant |
| Florida Complete Care Medicare Advantage HMO | Moffitt lists this as in network; confirm the exact plan before enrolling |
| Gold Kidney of Florida | Moffitt says it will be out of network starting January 1, 2027 |
Moffitt's current list does not confirm every plan's network for 2027. Before enrolling, check the exact plan, your doctors, the facility and your expected care dates with both Moffitt and the insurer.
Moffitt says Humana ended its agreement for business reasons unrelated to quality of care. Moffitt says Humana's patient letter indicates continuity of care may be extended through December 29, 2026 on a case-by-case basis, subject to the plan's requirements. Do not assume an extension is automatic.
For help confirming your exact plan, call Moffitt's Financial Clearance Unit at 813-745-7300 and your insurer using the number on your card. Ask about the facility, treating physician, treatment dates and any authorization; record who you spoke with and the reference number.
Can I still go to Moffitt with a Medicare Advantage PPO?
Often yes, at out of network cost. Moffitt says more than 13,000 patients used out of network benefits with a Medicare Advantage plan there in the last 12 months, and that for some plans the total out of pocket cost is the same either way. For PPO plans you can use those out of network benefits.
HMO plans are different. Many HMOs cover out of network care only in emergencies or with an approval, so ask the plan in writing before you rely on it. Moffitt also says it will try to get an authorization if your doctor sends a referral.
Should I switch to Original Medicare to keep Moffitt?
It is one way to keep access, but it has tradeoffs. Original Medicare has no network, so you can see any provider that accepts Medicare. You may choose to add a Medigap plan and a drug plan, which have their own costs. Medigap plans are standardized, but outside your first Medigap window insurers in most states can ask health questions and may decline you, so choose carefully before you drop a Medicare Advantage plan.
You can switch from October 15 to December 7, 2026. If you already have Medicare Advantage you can switch to Original Medicare January 1 to March 31, 2027.
How do Hillsborough and Pinellas counties compare for marketplace coverage?
| Measure | Hillsborough County | Pinellas County |
|---|---|---|
| People who picked a plan | 260,235 | 120,128 |
| Received a premium tax credit | 94.3% | 90.2% |
| Average monthly premium before credits | $757 | $820 |
| Average monthly premium after credits | $108 | $173 |
| Share of residents age 65 or older (Census) | 16.5% | 28.7% |
Pinellas has a much older population than Hillsborough, so more of its residents are on Medicare instead of the marketplace. In Tampa itself, Census estimates show 413,554 residents, 13.7% age 65 or older, and 12.1% of people under 65 without health insurance.
How can a Tampa agent help?
Ask an agent to check three things for each Medicare plan you are considering: whether Moffitt and your other doctors are in network, what the plan charges if they are not, and which drugs are covered. Plans change every October, so check again each year.
Health Insurance Solutions agents are licensed in 22 states and help by phone and online. Marketplace plans cost the same with or without an agent, so the comparison does not add to your premium.
Insurers and hospitals mentioned
Explore the organizations or brands discussed in this article. A mention does not mean every plan or location is covered.
- Detailed guide · FloridaMoffitt Cancer Center
- Detailed guide · FloridaFlorida Blue
- Hospital · FloridaH Lee Moffitt Cancer Center & Research Institute I
- Insurer · FloridaFlorida Blue (BlueCross BlueShield FL)
- Insurer · FloridaFlorida Blue HMO (a BlueCross BlueShield FL company)
- Medicare Advantage · FloridaAetna Medicare
- Medicare Advantage · FloridaFlorida Blue
- Medicare Advantage · FloridaFlorida Blue HMO
- Medicare Advantage · FloridaFlorida Complete Care
- Medicare Advantage · FloridaHumana
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