Moffitt Will Be Out of Network With Aetna Medicare Advantage PPO and HMO Plans Effective Dec. 1, 2025

Effective Dec. 1, 2025, Moffitt will become out of network for Aetna Medicare Advantage PPO and HMO Plans. This change is the result of a decision by Aetna to terminate its agreement with Moffitt for business reasons that are unrelated to the quality of care provided by Moffitt. Moffitt continues to remain an Institute of Excellence with Aetna and Florida’s top choice for the best outcomes.

What This Means for You 

If you are currently enrolled in an Aetna Medicare Advantage plan, your plan may consider Moffitt as an out-of-network provider effective Dec. 1, 2025. Depending on your specific plan, this could lead to:

• 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

What Medicare Advantage Plans will be in network for Moffitt in 2026?

Moffitt is a participating provider for several Medicare Advantage plans, also known as Medicare Replacement. Make sure that Moffitt and our physicians are part of your Medicare Advantage plan.

It’s important to do your research every year and choose the right plan for you, as not all Medicare Advantage plans are created equal and plans change annually.

• 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.
• Humana
  • 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 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.

Other Frequently Asked Questions

• What if I already changed my Medicare Advantage plan for 2026?

  CMS allows changes throughout the open enrollment season. The last submitted application on Dec. 7, 2025, is what goes into effect for January 2026. For more information, please refer to Medicare.gov or call 1-800-MEDICARE (1-800-633-4227).  

• 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 Aetna’s plan requirements.

• Why will Moffitt no longer be in-network with the plan for 2025?

  As an Institute of Excellence in Aetna’s network, Moffitt did not choose to leave Aetna’s Medicare Advantage network. It was a decision that Aetna initiated.

• I am currently enrolled in Original Medicare with Aetna Medigap, does this apply to me?

  This change only applies to Aetna Medicare Advantage plans and not to Original Medicare enrollees with Aetna 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:

• Review Your Insurance Plan: Contact Aetna 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 that includes Moffitt in its network during the open enrollment period (Oct. 15 – Dec. 7, 2025). We are currently in-network with traditional Medicare, as well as several other Medicare Advantage plans.

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 Aetna at the phone number on your ID card. Their representatives are available to help guide you through this transition.