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AARP Medicare Advantage CareFlex from UHC FL-32 (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 FL-32 (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 FL-32 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage CareFlex from UHC FL-32 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Citrus, Hernando and Levy Counties. 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 FL-32 (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 FL-32 (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 FL-32 (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:
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Drug Coverage
The AARP Medicare Advantage CareFlex from UHC FL-32 (HMO-POS) prescription drug plan has an annual drug deductible of $600. For Tier 1 preferred generic and Tier 2 generic medications, there is no copay for one-month and three-month supplies at standard pharmacies or through standard mail order. This ensures that common generic prescriptions remain highly accessible and affordable for plan members. For brand-name and specialty medications, costs are based on a percentage of the drug cost rather than a flat copay. Tier 3 preferred brand drugs require a 17% coinsurance for both standard pharmacy and standard mail order fills. Tier 4 non-preferred drugs carry a 40% coinsurance, while Tier 5 specialty drugs require a 26% coinsurance for a one-month supply.
Additional Benefits
The AARP Medicare Advantage CareFlex from UHC FL-32 (HMO-POS) offers comprehensive medical coverage with no copays or coinsurance for primary care visits, telehealth, and preventive services. Emergency care is available with a $130 copay that is waived upon hospital admission, while worldwide emergency and urgent care services require no copay. Outpatient services and specialist visits are also covered with no coinsurance and low to moderate copays. Additionally, this plan provides valuable dental, vision, and hearing benefits, including no copays for routine exams and preventive dental care up to a $2,250 annual limit. Members benefit from a $300 eyewear allowance every two years, covered over-the-counter items, and home health services with no copays. Skilled nursing facility care and diagnostic lab tests are also covered with no copays for initial treatment periods.
Inpatient Hospital See details
AARP Medicare Advantage CareFlex from UHC FL-32 (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a $550 daily copay for days 1 to 5 of an acute stay and days 1 to 4 of a psychiatric stay, with no copay for subsequent days. Prior authorization is required, and upgrades as well as non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage CareFlex from UHC FL-32 (HMO-POS) with no coinsurance, featuring no copay for ambulatory surgical center and blood services. Outpatient hospital services require no coinsurance with a copay of $0 to $550, and outpatient substance abuse services have no coinsurance with copays ranging from $0 to $55.
Partial Hospitalization See details
Partial hospitalization is covered by AARP Medicare Advantage CareFlex from UHC FL-32 (HMO-POS) with a $105.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage CareFlex from UHC FL-32 (HMO-POS) covers ground and air ambulance services with a $150 copay and no coinsurance, though prior authorization is required. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage CareFlex from UHC FL-32 (HMO-POS) covers emergency services with a $130 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services require a copay of $0 to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage CareFlex from UHC FL-32 (HMO-POS) covers primary care and telehealth services with no copay and no coinsurance. Other covered medical services, including specialist visits, mental health sessions, and physical therapy, require no coinsurance and copays ranging from $0 to $60, while chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage CareFlex from UHC FL-32 (HMO-POS) covers preventive services, including annual physical exams, kidney disease education, and diabetes training, with no copay and no coinsurance. While fitness benefits and home safety devices are covered, other additional services such as health education, weight management, and in-home support are not covered.
Hearing Services See details
AARP Medicare Advantage CareFlex from UHC FL-32 (HMO-POS) provides hearing exam coverage with a $30 copay and no coinsurance, though routine exams have no copay and fitting or evaluation services are not covered. Prescription hearing aids are partially covered up to two per year with no coinsurance and copays between $199 and $1,249, excluding inner ear, outer ear, and over the ear models. OTC hearing aids are also covered up to two per year with no coinsurance and copays ranging from $199 to $829.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage CareFlex from UHC FL-32 (HMO-POS), offering no deductibles and no coinsurance for all covered care. Patients pay no copay for one routine eye exam per year, while eyewear features a $300 combined maximum every two years with no copay for contacts and frames, a $0 to $153 copay for lenses, and no coverage for upgrades or other exam types.
Dental Services See details
AARP Medicare Advantage CareFlex from UHC FL-32 (HMO-POS) offers partially covered dental services, including preventive care with no copay and no coinsurance up to a $2,250 annual limit. Covered comprehensive services require no copay and 50% coinsurance, while Medicare-covered dental services require no copay and 20% coinsurance; orthodontics and implant services are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage CareFlex from UHC FL-32 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy, insulin, and other drugs, feature a coinsurance ranging from no coinsurance to 20%, with insulin drugs also subject to a $35 copay.
Dialysis Services See details
AARP Medicare Advantage CareFlex from UHC FL-32 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
AARP Medicare Advantage CareFlex from UHC FL-32 (HMO-POS) covers durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes or inserts with no copay and a 50% coinsurance. Diabetic supplies are covered with no copay, and prior authorization is required for these medical equipment benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage CareFlex from UHC FL-32 (HMO-POS) covers diagnostic and radiological services with no coinsurance, although prior authorization is required. Members pay no copay for lab services and diagnostic radiology, a $5 copay for diagnostic tests and outpatient X-rays, and a $60 copay for therapeutic radiological services.
Home Health Services See details
AARP Medicare Advantage CareFlex from UHC FL-32 (HMO-POS) covers Home Health Services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered by AARP Medicare Advantage CareFlex from UHC FL-32 (HMO-POS) with no copay and no coinsurance, although prior authorization is required. While some services are covered, specific sub-services including cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage CareFlex from UHC FL-32 (HMO-POS) covers skilled nursing facility (SNF) services with no coinsurance and no prior three-day hospital stay required, though prior authorization is necessary. There is no copay for days 1 through 20, a $218 daily copay for days 21 through 100, and additional days beyond the standard 100-day benefit are not covered.
Other Services See details
AARP Medicare Advantage CareFlex from UHC FL-32 (HMO-POS) partially covers other services, offering over-the-counter items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this benefit, and the meal benefit requires prior authorization.
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