AARP Medicare Advantage CareFlex from UHC TX-47 (HMO-POS)

AARP Medicare Advantage CareFlex from UHC TX-47 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Texas. 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 TX-47 (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 TX-47 (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.

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:

Drug Coverage

The AARP Medicare Advantage CareFlex from UHC TX-47 (HMO-POS) plan features an annual drug deductible of $600. For prescription drugs, Tier 1 preferred generics have no copay for a 1-month or 3-month supply at standard pharmacies and through mail order. Tier 2 generics cost a $10 copay for a 1-month supply at standard pharmacies, but 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 brands require a 15% coinsurance, while Tier 4 non-preferred drugs carry a 41% coinsurance for a 1-month supply. Tier 5 specialty drugs require a 26% coinsurance for a 1-month supply through standard pharmacies or mail order.

Additional Benefits

The AARP Medicare Advantage CareFlex from UHC TX-47 (HMO-POS) offers comprehensive medical coverage with predictable out-of-pocket costs, featuring no copay and no coinsurance for primary care visits, annual physicals, and home health services. Specialist visits require a copay ranging from no copay to $60, while emergency room visits carry a $130 copay that is waived if you are admitted. For inpatient hospital stays, members pay a $550 daily copay for the first few days of acute or psychiatric stays, with no copay required for the remaining covered days. Routine dental, vision, and hearing exams are highly accessible with no copay or coinsurance, alongside a $150 eyewear allowance every two years and affordable copays for prescription hearing aids. Durable medical equipment and prosthetics require no copay but carry a 50% coinsurance, while diabetic supplies and over-the-counter items are available with no copay. Diagnostic lab services are also covered with no copay, making this plan a robust option for managing routine and preventive health needs.