Medicare Coverage

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?

• 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. 

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 plan (also known as Part C). Make sure that Moffitt and our physicians are part of your Medicare Advantage plan during the Open Enrollment Period.  

View the complete list of coverage for the Medicare Advantage plan:

• Aetna - Moffitt Cancer Center and Moffitt Medical Group are contracted, participating providers for Aetna's Medicare HMO and PPO plans.  
  Note: Aetna Medicare Advantage will be out-of-network beginning Dec. 1, 2025. Learn more.  
• 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 and MMG will accept all patients with Humana's Medicare PFFS plan (Humana uses the name "Gold Choice"). 

• Velocity National Provider Network - Moffitt Cancer Center and Moffitt Medical Group are contracted, participating providers for Velocity National Provider Network.  

Learn more about the differences between Original Medicare and Medicare Advantage.

Medigap

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.

Questions?

To better prepare yourself when talking with your insurance company, these are some questions to help you enroll in a Medicare plan.

For more information, call 813-745-7300 or email FCUinsuranceNavigator@Moffitt.org. You can also contact us by mail at 12653 Telecom Dr, Tampa, FL 33637 Attn: Financial Clearance Unit.

For general Medicare information, call the government’s helpline at 1-800-MEDICARE (1-800-633-4227).

View our Glossary of Terms

Check if Moffitt Cancer Center and Moffitt Medical Group are in-network for your Commercial or Medicare plan.

Nationally Ranked. Florida's Best.

With survival rates up to four times the national averages, Moffitt can be your best chance for beating cancer. Our multispecialty medical professionals are dedicated to the treatment and research of cancer.

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