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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 2026, 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 4.5 out of 5 stars in 2026.
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 $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 FL-33 (HMO-POS)
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Drug Coverage
The AARP Medicare Advantage CareFlex from UHC FL-33 (HMO-POS) plan features an annual drug deductible of $600. For prescription drugs in Tier 1 (Preferred Generic) and Tier 2 (Generic), members enjoy no copay for 1-month and 3-month supplies at standard pharmacies, as well as no copay for 3-month standard mail orders. This makes managing common generic medications highly affordable under this plan. For higher-tier medications, costs transition to a coinsurance structure. Tier 3 (Preferred Brand) drugs require a 17% coinsurance for standard pharmacy fills and standard mail orders, while Tier 4 (Non-Preferred Drug) options carry a 40% coinsurance. Specialty medications in Tier 5 are covered with a 26% coinsurance for a 1-month supply through both standard pharmacies and standard mail order.
Additional Benefits
The AARP Medicare Advantage CareFlex from UHC FL-33 (HMO-POS) plan offers comprehensive medical coverage with no copay or coinsurance for primary care visits, routine physicals, and home health services. For inpatient hospital stays, members pay a $550 daily copay for the first few days and no copay for additional days, while emergency room visits carry a $130 copay that is waived upon admission. Outpatient services and diagnostic tests require no coinsurance, featuring no copay for lab work and low copays for diagnostic tests and X-rays. This plan also includes valuable supplemental benefits, featuring no copay for routine eye exams, dental cleanings up to a $1,500 annual limit, and fitness programs. While prescription hearing aids, durable medical equipment, and comprehensive dental procedures require copays or coinsurance up to 50%, there are no deductibles for dental, vision, or hearing services. Additionally, members can take advantage of no copays on home infusion services, over-the-counter items, and home-delivered meals.
Inpatient Hospital See details
Inpatient hospital services are covered by AARP Medicare Advantage CareFlex from UHC FL-33 (HMO-POS) 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 additional days. Prior authorization is required, and certain services such as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage CareFlex from UHC FL-33 (HMO-POS) covers outpatient services with no coinsurance, including no copay for ambulatory surgical center and outpatient blood services. Outpatient hospital services have a copay ranging from $0 to $550, while outpatient substance abuse services require a copay of $0 to $55 for individual sessions and $55 for group sessions.
Partial Hospitalization See details
Partial hospitalization is covered under the AARP Medicare Advantage CareFlex from UHC FL-33 (HMO-POS) plan with a $105.00 copay and no coinsurance. Prior authorization is required to receive these services.
Ambulance and Transportation Services See details
AARP Medicare Advantage CareFlex from UHC FL-33 (HMO-POS) partially covers ambulance and transportation services, offering Medicare-covered ground and air ambulance services with a $275 copay and no coinsurance, subject to prior authorization. Transportation services to plan-approved or any other health-related locations are not covered.
Emergency Services See details
AARP Medicare Advantage CareFlex from UHC FL-33 (HMO-POS) covers emergency services with a $130 copay, which is waived if admitted to the hospital within 24 hours, and no coinsurance. Urgently needed services carry 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-33 (HMO-POS) provides primary care physician visits and telehealth services with no copay and no coinsurance, while specialist visits, mental health, and physical therapy services have copays ranging from $0 to $60 and no coinsurance. Although some chiropractic services are covered with a $15 copay and no coinsurance, routine chiropractic care and other chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage CareFlex from UHC FL-33 (HMO-POS) with no copay and no coinsurance for covered options like annual physicals, fitness benefits, and kidney disease education. However, sub-services such as 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, smoking cessation, enhanced disease management, telemonitoring, remote technologies, and counseling are not covered.
Hearing Services See details
AARP Medicare Advantage CareFlex from UHC FL-33 (HMO-POS) partially covers hearing services with no deductibles and no coinsurance. Hearing exams have a $30 copay (with no copay for routine annual exams), but hearing aid fittings, evaluations, and inner, outer, or over-the-ear prescription hearing aids are not covered. Covered prescription hearing aids have a $199 to $1,249 copay, while OTC hearing aids have a $199 to $829 copay, with a limit of two hearing aids per year.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage CareFlex from UHC FL-33 (HMO-POS) with no deductibles or coinsurance, featuring no copay for annual routine eye exams, contact lenses, and eyeglass frames, and a $0 to $153 copay for eyeglass lenses under a $250 limit every two years. Other eye exam services, upgrades, and eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage CareFlex from UHC FL-33 (HMO-POS) provides partially covered dental services, with implant services and orthodontics not covered. Diagnostic and preventive services feature no copay and no coinsurance up to a $1,500 annual limit, while Medicare-covered dental services have a 20% coinsurance and comprehensive services have a 50% coinsurance, both with no copay.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage CareFlex from UHC FL-33 (HMO-POS) with no copay, though prior authorization is required. Covered Medicare Part B drugs, including chemotherapy, radiation, and insulin, require coinsurance ranging from no coinsurance up to 20%, with insulin drugs also requiring a $35 copay.
Dialysis Services See details
AARP Medicare Advantage CareFlex from UHC FL-33 (HMO-POS) covers Dialysis Services with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
AARP Medicare Advantage CareFlex from UHC FL-33 (HMO-POS) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 50% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts carry a 50% coinsurance, with prior authorization required for all medical equipment.
Diagnostic and Radiological Services See details
AARP Medicare Advantage CareFlex from UHC FL-33 (HMO-POS) covers diagnostic and radiological services with no coinsurance, though prior authorization is required. Under this plan, lab services have no copay, diagnostic radiology has a $0 minimum copay, diagnostic tests have a $5 copay, outpatient X-rays have a $15 copay, and therapeutic radiology has a minimum copay of $60.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage CareFlex from UHC FL-33 (HMO-POS) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are not covered under the AARP Medicare Advantage CareFlex from UHC FL-33 (HMO-POS) plan, including intensive cardiac, pulmonary, and supervised exercise therapy rehabilitation services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage CareFlex from UHC FL-33 (HMO-POS) with no coinsurance, requiring prior authorization and allowing admission without a prior three-day hospital stay. There is no copay for days 1 through 20 and a $218 copay for days 21 through 100, though additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage CareFlex from UHC FL-33 (HMO-POS) partially covers other services, including over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan, and prior authorization is required for the meal benefit.
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