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AARP Medicare Advantage CareFlex from UHC FL-39 (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-39 (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-39 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage CareFlex from UHC FL-39 (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-39 (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-39 (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-39 (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-39 (HMO-POS)
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Drug Coverage
The AARP Medicare Advantage CareFlex from UHC FL-39 (HMO-POS) plan features an annual drug deductible of $600. For Tier 1 preferred generic drugs, you will pay no copay for a 1-month or 3-month supply at standard pharmacies, as well as for 3-month mail orders. Tier 2 generic drugs are also highly affordable, requiring no copay for a 3-month preferred mail order, a $5 copay for a 1-month standard pharmacy supply, and a $15 copay for 3-month standard pharmacy or mail order supplies. For higher-tier medications, the plan transitions to coinsurance costs. Tier 3 preferred brand drugs require a 16% coinsurance across standard pharmacies and mail order options. Tier 4 non-preferred drugs carry a 38% coinsurance for a 1-month supply, while Tier 5 specialty drugs require a 26% coinsurance for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage CareFlex from UHC FL-39 (HMO-POS) offers affordable everyday healthcare, featuring no copay and no coinsurance for primary care visits, preventive care, and home health services. For unexpected medical emergencies, the plan covers emergency room visits with a $130 copay and urgent care with a $0 to $50 copay. Inpatient hospital stays require a $550 daily copay for the first 4 to 5 days, after which there is no copay for additional days. Essential wellness benefits like routine dental, vision, and hearing exams are covered with no copay and no coinsurance. Prescription hearing aids, eyewear, and outpatient diagnostic services are also covered with various low copays, while durable medical equipment requires a 50% coinsurance. For recovery care, skilled nursing facility stays are covered with no copay for the first 20 days and a $218 daily copay for days 21 through 100.
Inpatient Hospital See details
Inpatient Hospital benefits are partially covered by AARP Medicare Advantage CareFlex from UHC FL-39 (HMO-POS), offering no coinsurance with a $550 daily copay for days 1-5 of acute stays and days 1-4 of psychiatric stays, and no copay for subsequent days. Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered under this plan.
Outpatient Services See details
Outpatient Services under the AARP Medicare Advantage CareFlex from UHC FL-39 (HMO-POS) are covered 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 blood services require no copay, while outpatient substance abuse sessions have a copay ranging from $0 to $55.
Partial Hospitalization See details
AARP Medicare Advantage CareFlex from UHC FL-39 (HMO-POS) covers partial hospitalization services with a $105.00 copay and no coinsurance. Prior authorization is required to receive this covered benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage CareFlex from UHC FL-39 (HMO-POS) covers ground and air ambulance services with a $275 copay and no coinsurance, requiring prior authorization. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage CareFlex from UHC FL-39 (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 feature a copay ranging from $0 to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are fully covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage CareFlex from UHC FL-39 (HMO-POS) covers primary care visits, telehealth, and opioid treatment services with no copay and no coinsurance. Specialist visits, mental health services, podiatry, and physical, occupational, and speech therapies are covered with copays ranging from $0 to $60 and no coinsurance, though routine chiropractic care is not covered.
Preventive Services See details
Preventive services are covered with no copay and no coinsurance under the AARP Medicare Advantage CareFlex from UHC FL-39 (HMO-POS), including annual physicals and kidney disease education. Additional preventive benefits are partially covered, excluding services such as health education, in-home safety assessments, personal emergency response systems, and medical nutrition therapy.
Hearing Services See details
AARP Medicare Advantage CareFlex from UHC FL-39 (HMO-POS) covers annual routine hearing exams with no copay or coinsurance, while hearing aid fittings and evaluations 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 devices per year with no coinsurance, though inner, outer, 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-39 (HMO-POS), offering routine eye exams with no copay and no coinsurance, though other eye exam services are not covered. Covered eyewear benefits include contact lenses, eyeglass lenses, and eyeglass frames with no coinsurance, copays ranging from $0 to $153, and a $300 combined maximum every two years, while 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-39 (HMO-POS), with Medicare-covered dental requiring no copay and a 20% coinsurance, and preventive services like exams, cleanings, fluoride, and X-rays available with no copay and no coinsurance. Services that are not covered under this plan include other diagnostic, restorative, endodontic, periodontic, prosthodontic, implant, orthodontic, adjunctive general, and oral surgery services.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage CareFlex from UHC FL-39 (HMO-POS) with no copay, although prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other drugs require 0% to 20% coinsurance, while Part B insulin drugs carry a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage CareFlex from UHC FL-39 (HMO-POS) with no copay and a 20% coinsurance, although prior authorization is required.
Medical Equipment See details
Medical equipment benefits are covered by AARP Medicare Advantage CareFlex from UHC FL-39 (HMO-POS) with no copay and 50% coinsurance for durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes. Diabetic supplies are covered with no copay, and prior authorization is required for these medical equipment services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage CareFlex from UHC FL-39 (HMO-POS), featuring no copay for lab services and diagnostic radiology. Diagnostic procedures and tests require a $50 copay with no coinsurance, outpatient X-rays have a $30 copay, and therapeutic radiological services carry a 20% coinsurance.
Home Health Services See details
AARP Medicare Advantage CareFlex from UHC FL-39 (HMO-POS) covers home health services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered with no copay and no coinsurance under the AARP Medicare Advantage CareFlex from UHC FL-39 (HMO-POS), though prior authorization is required. While some services are covered, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy for symptomatic peripheral artery disease services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled nursing facility (SNF) services are covered by AARP Medicare Advantage CareFlex from UHC FL-39 (HMO-POS) with no coinsurance, requiring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, no prior three-day hospital stay is needed, and additional days beyond the standard Medicare-covered 100 days are not covered.
Other Services See details
AARP Medicare Advantage CareFlex from UHC FL-39 (HMO-POS) partially covers other services, offering select Over-the-Counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Prior authorization is required for the meal benefit, and acupuncture is not covered.
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