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AARP Medicare Advantage CareFlex from UHC FL-35 (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-35 (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-35 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage CareFlex from UHC FL-35 (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-35 (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-35 (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-35 (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-35 (HMO-POS)
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Drug Coverage
The AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS) plan features an annual drug deductible of $600. For Tier 1 preferred generic drugs, there is no copay for a 1-month or 3-month supply at standard pharmacies or through mail-order services. Tier 2 generic drugs cost $6 for a 1-month supply at standard pharmacies, but members can obtain a 3-month supply with no copay when using preferred mail order. For higher-tier medications, the plan utilizes coinsurance rather than flat copayments. Tier 3 preferred brand drugs require a 16% coinsurance for standard pharmacy and mail-order options. Tier 4 non-preferred drugs carry a 42% coinsurance, while Tier 5 specialty tier medications require a 26% coinsurance for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS) offers comprehensive coverage with no copay for primary care visits, telehealth, and routine preventive services. For hospital stays, members pay a $550 copay for the first five days of acute inpatient care and no copay for subsequent days, while emergency room visits carry a $130 copay that is waived upon admission. Outpatient services feature no coinsurance, with copays ranging up to $550 for hospital visits and no copay for ambulatory surgical center services. Routine vision and preventive dental exams are available with no copay, though Medicare-covered dental services require a 20% coinsurance. Hearing coverage includes a routine annual exam with no copay and prescription or over-the-counter hearing aids starting at a $199 copay. Skilled nursing facility stays feature no copay for the first 20 days, and home health services are fully covered with no copay or coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS) covers inpatient hospital services with no coinsurance, requiring prior authorization for both acute and psychiatric stays. You will pay a $550 copay for days 1 through 5 of an acute stay and days 1 through 4 of a psychiatric stay, with no copay for subsequent covered days, though non-Medicare-covered stays and hospital upgrades are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS) with no coinsurance, featuring no copays for ambulatory surgical center and blood services. Outpatient hospital visits require a copay ranging from $0 to $550, while outpatient substance abuse sessions carry a copay of $0 to $55, with prior authorization required for most services.
Partial Hospitalization See details
Partial hospitalization is covered by AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS) with a $105.00 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
Ambulance services are covered by AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS) with a $275 copay and no coinsurance for both ground and air transport. For transportation services, some services are covered, but trips to plan-approved health-related locations and any other health-related locations are not covered.
Emergency Services See details
Emergency services are covered under the AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS) with a $130 copay and no coinsurance, with the copay waived if 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-35 (HMO-POS) covers primary care and telehealth visits with no copay and no coinsurance, while specialist visits require a copay of $0 to $60 and no coinsurance. Therapy, mental health, and podiatry services are also covered with copays ranging up to $60 and no coinsurance, but chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered by the AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS) plan with no copay and no coinsurance for covered services like annual physicals, fitness benefits, and home safety devices. However, sub-services such as health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, and counseling are not covered.
Hearing Services See details
AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS) covers hearing services with no coinsurance, offering one annual routine hearing exam with no copay and other hearing exams for a $30 copay. Up to two prescription hearing aids (with copays of $199 to $1,249) and two OTC hearing aids (with copays of $199 to $829) are covered yearly with no deductible, though hearing aid fittings, evaluations, and inner, outer, or over-the-ear prescription models are not covered.
Vision Services See details
AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS) partially covers vision services, offering one routine eye exam per year with no copay and no coinsurance, while other eye exams are not covered. Eyewear is covered with no coinsurance up to a $150 limit every two years, featuring no copay for contact lenses and frames, and a $0 to $153 copay for lenses, though upgrades and combined eyeglasses are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS), featuring Medicare-covered dental care with no copay and 20% coinsurance, alongside preventive services like exams, cleanings, and x-rays with no copay and no coinsurance. However, other diagnostic services, restorative care, 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 FL-35 (HMO-POS) with no copay, subject to prior authorization. Under this benefit, Medicare Part B chemotherapy and other drugs carry no coinsurance to 20% coinsurance, while Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive this covered benefit.
Medical Equipment See details
AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS) covers medical equipment, prosthetics, and diabetic supplies with no copayments, though a 50% coinsurance applies to durable medical equipment, prosthetic devices, medical supplies, and diabetic therapeutic shoes. Prior authorization is required for these services, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS) covers diagnostic procedures and tests with a $50 copay and no coinsurance, while lab services and diagnostic radiology are offered with no copay and no coinsurance. Outpatient X-rays require a $30 copay, and therapeutic radiological services carry a 20% coinsurance with no copay. Prior authorization is required for all diagnostic and radiological services under this plan.
Home Health Services See details
Home health services are covered by AARP Medicare Advantage CareFlex from UHC FL-35 (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-35 (HMO-POS) plan. This includes no coverage, copays, or coinsurance for cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) rehabilitation services.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20 and a $218 daily 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-35 (HMO-POS) partially covers other services, providing over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. However, acupuncture is not covered under this plan, and the meal benefit requires prior authorization.
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