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AARP Medicare Advantage CareFlex from UHC FL-34 (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-34 (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-34 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage CareFlex from UHC FL-34 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Florida. 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-34 (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-34 (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-34 (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-34 (HMO-POS) prescription drug plan features an annual drug deductible of $600. For Tier 1 preferred generic drugs, you will pay no copay for standard pharmacy purchases or mail-order fills. Tier 2 generic medications cost a $5 copay for a 1-month supply at standard pharmacies, though you can get a 3-month supply with no copay through preferred mail order. For brand-name and specialty medications, costs are based on coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 15% coinsurance, while Tier 4 non-preferred drugs carry a 40% coinsurance for a 1-month supply. Specialty Tier 5 medications require a 26% coinsurance for a 1-month supply at standard pharmacies and mail-order services.
Additional Benefits
The AARP Medicare Advantage CareFlex from UHC FL-34 (HMO-POS) provides robust medical coverage featuring many services with no coinsurance and no copay, including primary care, telehealth, and home health services. When you need specialized care, outpatient services and specialist visits carry low copays, while inpatient hospital stays and emergency services are covered under predictable daily or flat copayments. Diagnostic lab work and radiology are also available with no copay, making routine healthcare highly affordable. This plan also includes valuable supplemental benefits like routine vision, hearing, and preventive dental care with no copay and no coinsurance. You can access comprehensive dental treatments with a fifty percent coinsurance, and prescription hearing aids are covered with fixed copayments. Additionally, durable medical equipment and dialysis services are covered with coinsurance, and members can access over-the-counter items and chronic illness meals at no cost.
Inpatient Hospital See details
AARP Medicare Advantage CareFlex from UHC FL-34 (HMO-POS) covers inpatient hospital services with no coinsurance, though prior authorization is required. Acute stays require a $550 copayment for days 1 to 5 and no copayment for days 6 and beyond, while psychiatric stays require a $550 copayment for days 1 to 4 and no copayment for days 5 to 90. Non-Medicare-covered stays, hospital upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage CareFlex from UHC FL-34 (HMO-POS) covers outpatient services with no coinsurance, including no copay for ambulatory surgical center and blood services. Outpatient hospital services require a copay of $0 to $550, while outpatient substance abuse services have a copay of $0 to $55, both with no coinsurance.
Partial Hospitalization See details
AARP Medicare Advantage CareFlex from UHC FL-34 (HMO-POS) covers partial hospitalization with a $105.00 copay and no coinsurance. Prior authorization is required for this service.
Ambulance and Transportation Services See details
AARP Medicare Advantage CareFlex from UHC FL-34 (HMO-POS) covers ground and air ambulance services with a $275 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-34 (HMO-POS) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a copay of $0 to $50 and 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-34 (HMO-POS) covers primary care physician visits, telehealth, and opioid treatment services with no copay and no coinsurance. Other covered services, including specialist visits, physical and occupational therapy, and mental health services, feature copays ranging from $0 to $60 and no coinsurance, while chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage CareFlex from UHC FL-34 (HMO-POS) offers partial coverage for preventive services with no copay and no coinsurance for covered benefits like annual physical exams, fitness benefits, and kidney disease education. However, several additional services are not covered, including health education, in-home safety assessments, personal emergency response systems, weight management programs, and nutritional/dietary benefits.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage CareFlex from UHC FL-34 (HMO-POS) with no deductible and no coinsurance, featuring routine hearing exams with no copay, though fitting and evaluation exams are not covered. Prescription hearing aids (copays of $199 to $1,249) and OTC hearing aids (copays of $199 to $829) are covered up to two per year, but inner-ear, outer-ear, and over-the-ear prescription models are excluded.
Vision Services See details
Vision Services are partially covered by AARP Medicare Advantage CareFlex from UHC FL-34 (HMO-POS), featuring no deductible, no coinsurance, and no copay for routine exams and select eyewear, though eyeglass lenses may require a copay of $0 to $153. Covered eyewear is limited to a $150 maximum benefit every two years, while other eye exam services, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are covered by AARP Medicare Advantage CareFlex from UHC FL-34 (HMO-POS), featuring preventive care with no copay and no coinsurance up to a $1,500 annual limit. Medicare-covered dental has no copay and a 20% coinsurance, while comprehensive dental benefits are partially covered with no copay and a 50% coinsurance, excluding implant services and orthodontics which are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by the AARP Medicare Advantage CareFlex from UHC FL-34 (HMO-POS) with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other drugs carry a 0% to 20% coinsurance, while Medicare Part B insulin requires a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage CareFlex from UHC FL-34 (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-34 (HMO-POS) covers durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes with no copay and 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
Diagnostic and radiological services are covered by the AARP Medicare Advantage CareFlex from UHC FL-34 (HMO-POS) with no coinsurance. There is no copay for lab services and diagnostic radiology, while outpatient X-rays require a $15 copay, diagnostic tests require a $50 copay, and therapeutic radiology services have a copay starting at $60.
Home Health Services See details
Home health services are covered under the AARP Medicare Advantage CareFlex from UHC FL-34 (HMO-POS) plan with no copay and no coinsurance. Prior authorization is required to receive these services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage CareFlex from UHC FL-34 (HMO-POS) plan, as all sub-services—including intensive cardiac, pulmonary, and SET for PAD rehabilitation—are not covered in practice.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by AARP Medicare Advantage CareFlex from UHC FL-34 (HMO-POS) with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copayment for days 1 through 20 and a $218 copayment 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-34 (HMO-POS) partially covers other services, offering over-the-counter (OTC) items and chronic illness meals with no copay and no coinsurance. Prior authorization is required for the meal benefit, and acupuncture is not covered.
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