Moffitt Cancer Center — one of only 53 NCI-designated Comprehensive Cancer Centers in the United States — will no longer accept Humana Medicare Advantage plans beginning July 2026. For Florida cancer patients currently receiving treatment at Moffitt, this is not just an inconvenience. It is a potential medical emergency that requires immediate action.
What Happened and When
Moffitt Cancer Center announced in early 2026 that it would terminate its contract with Humana Medicare Advantage effective July 1, 2026. The decision follows Humana's withdrawal from numerous Florida counties and reflects broader tensions between hospital systems and Medicare Advantage insurers over reimbursement rates and prior authorization requirements.
Which Humana Plans Are Affected
All Humana Medicare Advantage plans — HMO, PPO, and Special Needs Plans — are affected by Moffitt's contract termination. If you have any Humana Medicare Advantage product and are receiving or planning to receive care at Moffitt, you need to act before July 1, 2026.
What This Means for Patients Mid-Treatment
Federal law provides some protection for patients mid-treatment through continuity of care provisions. If you are actively undergoing cancer treatment at Moffitt when the contract terminates, Humana may be required to continue covering your care at Moffitt for a transition period. However, this protection is not indefinite and has specific requirements.
Do not rely on continuity of care provisions as a long-term solution. The right move is to find a Medicare plan that covers Moffitt before July 1.
Alternative Plans That Cover Moffitt
Several Medicare plans continue to cover Moffitt Cancer Center in their networks. These include certain Florida Blue Medicare Advantage plans, Original Medicare (which Moffitt accepts), and Medicare Supplement plans (which work with any Medicare-accepting provider). A licensed Florida agent can confirm current Moffitt network participation for specific plans in your zip code.
The SEP Triggered by Network Change
A significant reduction in your plan's provider network — including the loss of a major cancer center — may trigger a Special Enrollment Period. This SEP would allow you to switch plans outside the normal AEP window. Contact Medicare at 1-800-MEDICARE or a licensed agent to confirm whether your specific situation qualifies for a SEP.
How to Act Fast
- Confirm your current Humana plan type and effective date
- Contact your Moffitt oncologist's office to understand your treatment timeline
- Identify Medicare plans that cover Moffitt in your zip code
- Determine if you qualify for a Special Enrollment Period
- Enroll in a new plan before July 1, 2026
This situation requires urgency. If you or a family member is receiving cancer treatment at Moffitt with Humana Medicare Advantage, call (435) 612-1009 immediately for emergency plan review assistance.