For a Florida retiree fighting cancer, the name of the hospital on the insurance card can matter as much as the diagnosis. Moffitt Cancer Center in Tampa, the state’s only National Cancer Institute-designated cancer hospital, is now out of network for several of the biggest Medicare Advantage plans in the market. If you or a family member relies on a Humana or Aetna Advantage plan and counts on Moffitt for care, this is a decision you need to understand before the fall enrollment window closes.
Which Medicare Advantage plans no longer cover Moffitt
According to Moffitt’s own patient notices, its network status with two major insurers has changed. Aetna Medicare Advantage HMO and PPO plans went out of network on December 1, 2025. Humana Medicare Advantage PPO and HMO plans followed on July 1, 2026. The change applies to those Medicare Advantage products specifically, which is the private-plan alternative to Original Medicare that tens of millions of older Americans now use.
Moffitt has published the details for each insurer separately. The center’s Humana notice and its Aetna notice spell out which plans are affected and what patients should do. Being out of network does not mean the door is locked, but it generally means far higher out-of-pocket costs, and in many Advantage plans, no coverage at all for non-emergency care outside the network.
The continuation-of-care window for current Humana patients
If you are an established Humana Medicare Advantage patient at Moffitt, you are not cut off overnight. Moffitt says established Humana patients can keep their in-network benefits through a continuation-of-care period that runs until December 29, 2026. That grace period is meant to let people already in active treatment finish a course of care without an abrupt switch. It is not permanent, though, and it does not automatically apply to new patients trying to start treatment at Moffitt under an affected Humana plan.
The takeaway is timing. A continuation-of-care window is a bridge, not a solution. If you are relying on it, you have until late December to line up a plan that keeps Moffitt in network for 2027, or to move to a form of Medicare that Moffitt still accepts…