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AARP Medicare Advantage CareFlex from UHC TX-44 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage CareFlex from UHC TX-44 (HMO-POS). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on AARP Medicare Advantage CareFlex from UHC TX-44 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage CareFlex from UHC TX-44 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Texas. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage CareFlex from UHC TX-44 (HMO-POS) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Key Plan Facts
Below are a few key facts and commonly-asked questions about AARP Medicare Advantage CareFlex from UHC TX-44 (HMO-POS).
Plan Costs:
The cost of a Medicare Advantage Plan is made up of four main parts.
- First, the monthly premium — the amount you pay every month.
- Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
- Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
- Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.
For AARP Medicare Advantage CareFlex from UHC TX-44 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. This is the amount you must pay every month.
This plan does not come with a Part B Premium reduction. You must continue to pay your Part B premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $600.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $6700.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.
Common Services:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
Sign up for AARP Medicare Advantage CareFlex from UHC TX-44 (HMO-POS)
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Drug Coverage
The AARP Medicare Advantage CareFlex from UHC TX-44 (HMO-POS) plan features a $600 drug deductible. For Tier 1 preferred generic drugs, members pay no copay for a 1-month or 3-month supply at standard pharmacies, as well as for a 3-month supply through mail order. Tier 2 generic drugs cost a $10 copay for a 1-month supply at standard pharmacies, but there is no copay for a 3-month supply filled via preferred mail order. Higher tier medications are subject to coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 17% coinsurance, Tier 4 non-preferred drugs carry a 33% coinsurance, and Tier 5 specialty drugs have a 26% coinsurance. These coinsurance percentages apply to both standard pharmacies and mail-order options, providing a clear expectation of your out-of-pocket prescription costs.
Additional Benefits
The AARP Medicare Advantage CareFlex from UHC TX-44 (HMO-POS) plan offers comprehensive medical coverage with no copay and no coinsurance for primary care, telehealth, and routine preventive services. For inpatient hospital stays, members pay a daily copay of $550 for the first few days and no copay for subsequent days, while emergency room visits carry a $130 copay. Specialist visits, mental health services, and physical therapies are also highly accessible with copays up to $60 and no coinsurance. This plan features valuable extra benefits, including routine dental, vision, and hearing exams with no copay, alongside a $250 eyewear allowance every two years. Skilled nursing facility stays have no copay for the first 20 days, while diagnostic lab services and home health care are also covered with no copay. Specialized needs like durable medical equipment and dialysis require no copay but carry coinsurance rates of 50% and 20%, respectively.
Inpatient Hospital See details
Inpatient hospital services are covered by AARP Medicare Advantage CareFlex from UHC TX-44 (HMO-POS) with no coinsurance, requiring a $550 daily copay for days 1 to 5 for acute stays and days 1 to 4 for psychiatric stays, followed by no copay for subsequent days. Prior authorization and referrals are required, and upgrades or non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage CareFlex from UHC TX-44 (HMO-POS) covers outpatient services with no coinsurance, featuring copays ranging from $0 to $550 for outpatient hospital services and a $550 daily copay for observation services. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance, while outpatient substance abuse services carry no coinsurance and copays between $0 and $25.
Partial Hospitalization See details
Partial hospitalization is covered by AARP Medicare Advantage CareFlex from UHC TX-44 (HMO-POS) with a $105.00 copay and no coinsurance. Both a referral and prior authorization are required to receive these services.
Ambulance and Transportation Services See details
AARP Medicare Advantage CareFlex from UHC TX-44 (HMO-POS) covers ground and air ambulance services with a $275 copay and no coinsurance, though prior authorization is required. Routine transportation services to plan-approved or other health-related locations are not covered under this plan.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage CareFlex from UHC TX-44 (HMO-POS) with a $130 copay, which is waived if admitted to the hospital within 24 hours, and no coinsurance. Urgently needed services feature a copay ranging from $0 to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are provided with no copays and no coinsurance.
Primary Care See details
AARP Medicare Advantage CareFlex from UHC TX-44 (HMO-POS) provides primary care, telehealth, and opioid treatment with no copay and no coinsurance. Specialist visits, mental health, podiatry, and physical therapies are covered with no coinsurance and copays ranging from $0 to $60, though some chiropractic services are covered but routine and other chiropractic services are not.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage CareFlex from UHC TX-44 (HMO-POS) with no copay and no coinsurance for covered benefits like annual physicals, kidney disease education, and fitness benefits. Sub-services that are not covered under this plan include health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, additional smoking cessation counseling, enhanced disease management, telemonitoring, remote access technologies, and counseling.
Hearing Services See details
AARP Medicare Advantage CareFlex from UHC TX-44 (HMO-POS) partially covers hearing services with no deductible and no coinsurance. Routine hearing exams have no copay, prescription hearing aids carry a $199 to $1,249 copay, and OTC hearing aids carry a $199 to $829 copay, though fitting/evaluation exams and inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage CareFlex from UHC TX-44 (HMO-POS), offering one routine eye exam per year with no copay, no coinsurance, and no deductible. The plan also features a $250 combined eyewear allowance every two years with no coinsurance and copays ranging from no copay to $153, though other eye exams, upgrades, and packaged eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage CareFlex from UHC TX-44 (HMO-POS) partially covers dental services, featuring Medicare-covered dental care with no copay and 20% coinsurance, alongside preventive care like exams and cleanings with no copay and no coinsurance. However, comprehensive services such as restorative treatments, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage CareFlex from UHC TX-44 (HMO-POS) with no copay, though prior authorization is required. Associated Medicare Part B drugs, including insulin, chemotherapy, and radiation, feature coinsurance ranging from no coinsurance up to 20%, with insulin also requiring a $35 copay.
Dialysis Services See details
AARP Medicare Advantage CareFlex from UHC TX-44 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization and a referral are required to access this benefit.
Medical Equipment See details
AARP Medicare Advantage CareFlex from UHC TX-44 (HMO-POS) covers durable medical equipment, prosthetic devices, medical supplies, and diabetic therapeutic shoes or inserts with no copay and a 50% coinsurance. Diabetic supplies are fully covered with no copay and no coinsurance, though prior authorization is required and brand limits may apply.
Diagnostic and Radiological Services See details
AARP Medicare Advantage CareFlex from UHC TX-44 (HMO-POS) covers diagnostic and radiological services, with prior authorization and referrals required. Diagnostic tests require a $25 copay with no coinsurance, outpatient X-rays have a $30 copay, therapeutic radiological services carry a 20% coinsurance, and lab services and diagnostic radiology are covered with no copay.
Home Health Services See details
AARP Medicare Advantage CareFlex from UHC TX-44 (HMO-POS) covers home health services with no copay and no coinsurance. Prior authorization and a referral are required to receive this covered benefit.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage CareFlex from UHC TX-44 (HMO-POS) technically offers Cardiac Rehabilitation Services with no copay and no coinsurance. However, in practice only some services are covered, as cardiac, intensive cardiac, pulmonary, and SET for PAD services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage CareFlex from UHC TX-44 (HMO-POS) with no coinsurance, featuring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization and referrals are required, and the plan allows for admission without requiring a prior three-day inpatient hospital stay.
Other Services See details
AARP Medicare Advantage CareFlex from UHC TX-44 (HMO-POS) partially covers other services, offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered, and the meal benefit requires prior authorization.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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