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AARP Medicare Advantage CareFlex from UHC FL-33 (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-33 (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-33 (HMO-POS) in 2025, please refer to our full plan details page.
AARP Medicare Advantage CareFlex from UHC FL-33 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in DeSoto, Hardee and Highlands Counties. This plan received an overall rating of 4 out of 5 stars in 2025.
It's important to know that AARP Medicare Advantage CareFlex from UHC FL-33 (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-33 (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-33 (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 $495.00 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 FL-33 (HMO-POS)
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Drug Coverage
The AARP Medicare Advantage CareFlex from UHC FL-33 (HMO-POS) plan has an enhanced alternative drug benefit. The plan has a $495 deductible for prescription drugs. After the deductible, you will pay a $0 copay for standard generic drugs at a standard pharmacy. Standard generic drugs have a $47 copay, while preferred brand drugs have a $100 copay. Non-preferred drugs have a 27% coinsurance.
Additional Benefits
The AARP Medicare Advantage CareFlex from UHC FL-33 (HMO-POS) plan offers a wide range of benefits with varying costs. The plan covers inpatient hospital stays with a copay, and offers outpatient services with copays depending on the service. Emergency services, primary care, preventive services, vision, and dental services are all covered with no copay. This plan also includes additional benefits such as hearing services with copays for exams and hearing aids, and coverage for durable medical equipment with coinsurance. Other services like ambulance, skilled nursing facility, and home health services are covered with copays or coinsurance. There are also benefits for outpatient services, including mental health services and substance abuse services, with different copays depending on the service.
Inpatient Hospital See details
Inpatient Hospital benefits are covered, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric services. For Inpatient Hospital-Acute, you pay a $495 copay for days 1-5, and no copay for days 6-90, while additional days have no copay; for Inpatient Hospital Psychiatric, you pay a $495 copay for days 1-4, and no copay for days 5-90.
Outpatient Services See details
Outpatient Services includes coverage for all outpatient hospital services, observation services, ambulatory surgical center (ASC) services, outpatient substance abuse services, and outpatient blood services. Outpatient hospital services have a copay between $0 and $495, observation services have a $495 copay, ASC services have no copay, individual outpatient substance abuse sessions have a copay between $0 and $55, group outpatient substance abuse sessions have a $55 copay, and outpatient blood services have no copay.
Partial Hospitalization See details
Partial Hospitalization is covered under this plan with a $105 copay. Prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the AARP Medicare Advantage CareFlex from UHC FL-33 (HMO-POS) plan. Ground and Air Ambulance Services have a $275 copay, but there is no coinsurance. Transportation Services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered. Emergency Services have a $125 copay, while Urgently Needed Services have a copay between $0 and $55. Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation have no copay.
Primary Care See details
Primary Care Physician Services are covered with no copay. Chiropractic Services are covered with a $20 copay and require prior authorization, but routine care is not covered. Occupational Therapy Services have a copay between $0 and $45 and require authorization. Physician Specialist Services, Mental Health Specialty Services, Podiatry Services, Other Health Care Professional, Psychiatric Services, Physical Therapy and Speech-Language Pathology Services, and Opioid Treatment Program Services are covered with varying copays. Additional Telehealth benefits are covered with no copay.
Preventive Services See details
Preventive Services are covered, including an annual physical exam with no copay. Additional preventive services, including Fitness Benefit, Home and Bathroom Safety Devices and Modifications, and Kidney Disease Education Services, are covered with no copay, but Health Education, In-Home Safety Assessment, Personal Emergency Response System (PERS), Medical Nutrition Therapy (MNT), Post discharge In-Home Medication Reconciliation, Re-admission Prevention, Wigs for Hair Loss Related to Chemotherapy, Weight Management Programs, Alternative Therapies, Therapeutic Massage, Adult Day Health Services, Nutritional/Dietary Benefit, Home-Based Palliative Care, In-Home Support Services, Support for Caregivers of Enrollees, Additional Sessions of Smoking and Tobacco Cessation Counseling, Enhanced Disease Management, Telemonitoring Services, Remote Access Technologies (including Web/Phone-based technologies and Nursing Hotline), and Counseling Services are not covered.
Hearing Services See details
Hearing services include hearing exams, prescription hearing aids, and OTC hearing aids. Routine hearing exams have a $50 copay, and are limited to one per year. Prescription hearing aids have a copay between $199 and $1249, with a limit of two per year, while OTC hearing aids have a copay between $99 and $829, with a limit of two per year. Fitting/evaluation for hearing aids, Prescription Hearing Aids - Inner Ear, Prescription Hearing Aids - Outer Ear, and Prescription Hearing Aids - Over the Ear are not covered.
Vision Services See details
Vision Services includes coverage for eye exams and eyewear. Eye exams have no copay, and routine eye exams are covered once per year. Eyewear has no copay, and the plan offers a combined maximum of $300 every two years for contact lenses, eyeglass lenses, and eyeglass frames, but eyeglasses and upgrades are not covered.
Dental Services See details
Dental Services are covered, with a 20% coinsurance for Medicare Dental Services. Other Dental Services include oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), fluoride treatment, other preventive dental services, and restorative services, with no copay. Prosthodontics, removable, and prosthodontics, fixed have coinsurance of 0% - 50%. Maxillofacial Prosthetics has no copay. Implant Services and Orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, including Medicare Part B Insulin Drugs with a $35 copay and 0-20% coinsurance, Medicare Part B Chemotherapy/Radiation Drugs with 0-20% coinsurance, and Other Medicare Part B Drugs with 0-20% coinsurance. Prior authorization is required.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage CareFlex from UHC FL-33 (HMO-POS) plan, but require prior authorization. You will pay 20% coinsurance.
Medical Equipment See details
Medical equipment is covered, with no copay for Durable Medical Equipment (DME), but a 50% coinsurance. Prosthetics/Medical Supplies and Medical Supplies are covered with a 50% coinsurance, while Diabetic Supplies have no copay. Diabetic Therapeutic Shoes/Inserts have a 50% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, with a $45 copay for Diagnostic Procedures/Tests and no copay for Lab Services. Diagnostic Radiological Services have a maximum copay of $230, and Therapeutic Radiological Services have at least 20% coinsurance, while Outpatient X-Ray Services have a $50 copay.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage CareFlex from UHC FL-33 (HMO-POS) plan with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services are not covered. Prior authorization is required for this benefit, but the copay is not specified.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) benefits are covered by the AARP Medicare Advantage CareFlex from UHC FL-33 (HMO-POS) plan. There is no copay for days 1-20, and a $203 copay for days 21-100. Additional days beyond Medicare-covered and non-Medicare-covered stays for SNF are not covered.
Other Services See details
Other Services under the AARP Medicare Advantage CareFlex from UHC FL-33 (HMO-POS) plan includes Over-the-Counter (OTC) Items and Meal Benefits. Over-the-Counter (OTC) Items have no copay, while Meal Benefits also have no copay and require prior authorization. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services are not covered.
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