Medicare Advantage at HCA Healthcare.
Which Medicare Advantage plans work with HCA, how Medigap and Original Medicare access compares, and our advisor's tips on choosing a plan that keeps your HCA providers in-network.
About HCA Healthcare
Founded in 1968 and headquartered in Nashville, Tennessee, HCA operates across 20 states + UK, focused in Florida, Texas, Tennessee, Colorado, Virginia. Largest for-profit hospital system in the U.S. with 180+ hospitals, with national strength in emergency medicine, cardiac care, neonatal intensive care, orthopedics, and behavioral health.
Medicare Advantage carriers that contract with HCA
Humana (founder of HCA), UnitedHealthcare/AARP, Aetna, Cigna, Anthem BCBS, Florida Blue, BCBS Texas, Blue Cross NC.
HCA was originally founded by Dr. Thomas Frist Sr. (also a Humana co-founder) — Humana has unusually strong network presence at HCA hospitals. Most national MA carriers contract with HCA.
Original Medicare with Medigap = full HCA access
If keeping HCA in-network is non-negotiable, the simplest path is Original Medicare (Parts A and B) plus a Medigap plan plus a standalone Part D plan. Medigap plans don't have networks — they pay out-of-pocket costs at any provider that accepts Medicare.
HCA accepts Medicare. So: Original Medicare + Medigap means you can see any HCA doctor, in any HCA hospital, with no referrals or pre-authorizations.
The trade-off: Medigap costs $100-$250/month (versus often $0 for Medicare Advantage), and standalone Part D adds $15-$70/month. But you get total provider freedom and predictable out-of-pocket costs.
How to verify your HCA doctor is in your Medicare Advantage plan
- Call the plan member services line with your doctor's full name and NPI number. Ask: "Is Dr. [Name], NPI [#####], in-network for [plan name] for 2027?"
- Check the plan's online provider directory. Search by full name. Verify the address matches your HCA location.
- Call your HCA doctor's office. Ask the receptionist which Medicare Advantage plans they accept. Verify both that the practice is in-network and that the specific physician is in-network — they're sometimes different.
- If you have specialists, repeat for each one. Network status varies physician-by-physician within the same hospital system.
Free 14-minute Medicare review.
A licensed advisor reviews your specific HCA providers, your prescriptions, and finds the Medicare Advantage or Medigap option that keeps your care in-network. Free, no obligation.
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