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AARP Medicare Advantage CareFlex from UHC FL-37 (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-37 (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-37 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage CareFlex from UHC FL-37 (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-37 (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-37 (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-37 (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-37 (HMO-POS) prescription drug plan features an annual drug deductible of $600. For Tier 1 preferred generic drugs, members pay no copay for a one-month or three-month supply at standard pharmacies and mail order. Tier 2 generic drugs require a $6 copay for a one-month standard pharmacy supply, though a three-month supply has no copay when filled through preferred mail order. Brand-name and specialty drugs are covered under coinsurance percentages rather than flat copays. Tier 3 preferred brand drugs carry a 17% coinsurance, while Tier 4 non-preferred drugs require a 41% coinsurance for a one-month supply. Specialty medications in Tier 5 have a 26% coinsurance for a one-month supply across standard pharmacies and mail-order options.
Additional Benefits
The AARP Medicare Advantage CareFlex from UHC FL-37 (HMO-POS) offers comprehensive medical coverage featuring no copay or coinsurance for primary care visits, home health care, and routine lab services. For hospital stays, members pay a daily copay of $550 for the first five days of acute inpatient care, with no copay for subsequent days, while emergency room visits carry a $130 copay. Specialist visits, urgent care, and outpatient surgical services are also accessible, requiring low copays and no coinsurance. This plan also prioritizes preventive wellness by providing routine dental, vision, and hearing exams with no copay or coinsurance. Standard medical equipment, prosthetics, and diabetic therapeutic shoes require a 50% coinsurance, though standard diabetic supplies are covered with no copay. Additionally, members can access over-the-counter items, chronic illness meal benefits, and fitness benefits with no copay and no coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage CareFlex from UHC FL-37 (HMO-POS) covers inpatient hospital services with no coinsurance, requiring prior authorization and a daily copay of $550 for days 1 to 5 of acute stays (no copay for days 6 and beyond) and $550 for days 1 to 4 of psychiatric stays (no copay for days 5 to 90). This benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage CareFlex from UHC FL-37 (HMO-POS) with no coinsurance, featuring a $0 to $550 copay for outpatient hospital services and a $550 daily copay for observation services. Ambulatory surgical center and outpatient blood services are offered with no copay and no coinsurance, while outpatient substance abuse sessions have a copay ranging from $0 to $55 with no coinsurance.
Partial Hospitalization See details
AARP Medicare Advantage CareFlex from UHC FL-37 (HMO-POS) covers partial hospitalization services with a $105.00 copay and no coinsurance. Prior authorization is required to receive this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services under the AARP Medicare Advantage CareFlex from UHC FL-37 (HMO-POS) feature a $275 copay and no coinsurance for both ground and air ambulance services, which require prior authorization. Transportation services to plan-approved or other health-related locations are not covered by this plan.
Emergency Services See details
AARP Medicare Advantage CareFlex from UHC FL-37 (HMO-POS) covers emergency services with a $130 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services have a copay ranging from $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-37 (HMO-POS) covers primary care and telehealth services with no copay and no coinsurance. Specialist visits, mental health services, and physical therapies are covered with copays ranging from $0 to $60 and no coinsurance, while chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage CareFlex from UHC FL-37 (HMO-POS) with no copay and no coinsurance for covered benefits including annual physical exams, fitness benefits, home safety devices, kidney education, and select screenings. However, several sub-services are not covered, including health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge 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 technologies, and counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage CareFlex from UHC FL-37 (HMO-POS) with no deductibles or coinsurance, including one routine hearing exam annually with no copay. Fitting and evaluation exams, alongside inner ear, outer ear, and over-the-ear prescription hearing aids, are not covered; however, other prescription hearing aids (copays of $199.00 to $1,249.00) and OTC hearing aids (copays of $199.00 to $829.00) are covered up to two per year.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage CareFlex from UHC FL-37 (HMO-POS), featuring one routine eye exam annually and eyeglass frames or contact lenses every two years with no copay or coinsurance. Eyeglass lenses are covered with a copay of up to $153 and no coinsurance, subject to a combined $150 eyewear limit every two years, while other eye exams, upgrades, and eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage CareFlex from UHC FL-37 (HMO-POS), with Medicare-covered dental requiring no copay and 20% coinsurance, and preventive services like exams, cleanings, fluoride, and x-rays covered with no copay and no coinsurance. Other diagnostic, restorative, endodontic, periodontic, prosthodontic, orthodontic, implant, adjunctive general, and oral surgery services are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage CareFlex from UHC FL-37 (HMO-POS) with no copay, though prior authorization is required. Covered Medicare Part B chemotherapy, radiation, and other drugs have no copay and coinsurance ranging from no coinsurance to 20%, while Part B insulin has a $35 copay and coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
AARP Medicare Advantage CareFlex from UHC FL-37 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
AARP Medicare Advantage CareFlex from UHC FL-37 (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 require a 50% coinsurance, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage CareFlex from UHC FL-37 (HMO-POS) covers diagnostic and radiological services, requiring prior authorization for all services. Lab services and diagnostic radiological services are available with no copay and no coinsurance, while outpatient diagnostic procedures cost a $50 copay, outpatient X-rays cost a $30 copay, and therapeutic radiological services require a 20% coinsurance.
Home Health Services See details
AARP Medicare Advantage CareFlex from UHC FL-37 (HMO-POS) covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage CareFlex from UHC FL-37 (HMO-POS) covers Cardiac Rehabilitation Services with no copay and no coinsurance, though only some services are covered in practice as standard cardiac, intensive cardiac, pulmonary, and SET for PAD services are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage CareFlex from UHC FL-37 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization and allowing admission without a prior 3-day hospital stay. There is no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100, though additional days beyond the standard 100-day limit are not covered.
Other Services See details
Other services are partially covered by the AARP Medicare Advantage CareFlex from UHC FL-37 (HMO-POS), which offers over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture and other miscellaneous services are not covered, and the meal benefit requires prior authorization.
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