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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 2025, 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 out of 5 stars in 2025.
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 $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-35 (HMO-POS)
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Drug Coverage
The AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS) plan has a $495 deductible for prescription drugs. After the deductible, you'll pay a copay for your prescriptions. For example, standard generic drugs have a $6 copay, standard generic drugs have a $47 copay, and preferred brand drugs have a $100 copay. Once your total drug costs reach $2000, you enter the Catastrophic Coverage phase, where you pay nothing for covered drugs. If you qualify for the low-income subsidy, you will pay $0 for Part D drugs.
Additional Benefits
The AARP Medicare Advantage CareFlex plan offers comprehensive coverage with varying cost-sharing. This plan includes no copay for many services, like primary care, preventive services, vision exams, and dental cleanings. You'll also find coverage for inpatient and outpatient hospital services, with copays ranging from $0 to $495, and ambulance services with a $275 copay. Additional benefits include coverage for hearing aids, with copays between $99 and $1249, and dental services with 20% coinsurance for Medicare dental services. The plan also covers home health services and skilled nursing facilities with no copay for the first 20 days. However, it's important to note that some services, such as certain dental procedures and transportation services, may not be covered.
Inpatient Hospital See details
Inpatient Hospital benefits for the AARP Medicare Advantage CareFlex plan include coverage for Inpatient Hospital-Acute and Inpatient Hospital Psychiatric services. For Inpatient Hospital-Acute, you will pay a $495 copay for days 1-5 and no copay for days 6-90, with additional days 91-999 having no copay. For Inpatient Hospital Psychiatric, you will pay a $495 copay for days 1-4 and no copay for days 5-90. Non-Medicare-covered stays and upgrades are not covered.
Outpatient Services See details
Outpatient Services include coverage for all outpatient hospital services, with a copay ranging from $0 to $495, and observation services with a $495 copay per day. Ambulatory Surgical Center (ASC) Services and Outpatient Blood Services have no copay, while Outpatient Substance Abuse Services have a copay that ranges from $0 to $55 for individual sessions and a $55 copay for group sessions.
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-35 (HMO-POS) plan. Ground and Air Ambulance Services have a $275 copay, and there is no coinsurance, while 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, and Urgently Needed Services have a copay between $0 and $55. Worldwide Emergency Services has a $0 copay for Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation.
Primary Care See details
The AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS) plan covers primary care physician services with no copay, chiropractic services with a $20 copay, and occupational therapy with a copay between $0 and $45. The plan also covers specialist services with a copay between $0 and $50, mental health services, podiatry services with a $45 copay, other health care professional services with a copay between $0 and $50, psychiatric services, physical therapy and speech-language pathology services with a copay between $0 and $50, additional telehealth benefits with no copay, and opioid treatment program services with no copay. Routine chiropractic care is not covered.
Preventive Services See details
Preventive Services include no copay for annual physical exams. Additional services like Fitness Benefit, and Home and Bathroom Safety Devices and Modifications are covered.
Hearing Services See details
Hearing Services include hearing exams and prescription and OTC hearing aids. Routine hearing exams have a $0 copay, while the fitting/evaluation for a hearing aid is not covered. Prescription hearing aids have a copay between $199 and $1249, while OTC hearing aids have a copay between $99 and $829.
Vision Services See details
Vision Services includes eye exams with no copay, and eyewear benefits. Eyewear includes contact lenses, eyeglass lenses, and eyeglass frames with no copay; however, eyeglasses (lenses and frames) and upgrades are not covered.
Dental Services See details
Dental services are covered, with a 20% coinsurance for Medicare dental services. Oral exams, dental x-rays, prophylaxis (cleaning), fluoride treatment, and other preventive dental services are covered with no copay. Orthodontic services, restorative services, adjunctive general services, endodontics, periodontics, prosthodontics (removable and fixed), maxillofacial prosthetics, implant services, and oral and maxillofacial surgery are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, and require prior authorization. Medicare Part B Insulin Drugs have a $35 copay and 0-20% coinsurance, while Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have 0-20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by the AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS) plan, but require prior authorization. You will pay 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment is covered, including Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment. Durable Medical Equipment and Prosthetic Devices have a 50% coinsurance, while Medical Supplies have a 50% coinsurance, and Diabetic Supplies have no copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by the AARP Medicare Advantage CareFlex plan. Diagnostic Procedures/Tests have a $45 copay, and Lab Services have no copay. Diagnostic Radiological Services have a copay of up to $250, while Therapeutic Radiological Services have a coinsurance of at least 20%. Outpatient X-Ray Services have a $50 copay.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage CareFlex from UHC FL-35 (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 by the AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS) plan, but the specific sub-services are not covered. Prior authorization is required for this benefit.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS) plan, but require prior authorization. There is no copay for days 1-20, and a $203 copay for days 21-100. Additional days beyond Medicare-covered for SNF and non-Medicare-covered stays for SNF are not covered.
Other Services See details
Other Services with the AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS) plan includes coverage for 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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