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AARP Medicare Advantage CareFlex from UHC MA-9 (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 MA-9 (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 MA-9 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage CareFlex from UHC MA-9 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Massachusetts. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage CareFlex from UHC MA-9 (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 MA-9 (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 MA-9 (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 $520.00 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 MA-9 (HMO-POS) plan has an annual drug deductible of $520. For Tier 1 preferred generic drugs, members pay no copay for 1-month or 3-month supplies at standard pharmacies and through mail order. Tier 2 generic drugs have a $12 copay for a 1-month standard pharmacy supply, but you can get a 3-month supply with no copay using preferred mail order. For higher-tier medications, cost-sharing transitions to coinsurance. Tier 3 preferred brand drugs require a 15% coinsurance for both standard pharmacy and mail-order options. Tier 4 non-preferred drugs and Tier 5 specialty drugs carry a 37% and 27% coinsurance, respectively, for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage CareFlex from UHC MA-9 (HMO-POS) plan offers comprehensive medical coverage with many essential services featuring no copayments or coinsurance. Members enjoy no copay for primary care provider visits, routine physicals, and home health services, while inpatient hospital stays require a $550 daily copay for the first few days and no copay for subsequent days. Emergency room visits carry a $130 copay, which is waived if admitted, and outpatient surgical services are fully covered with no copay. For specialized care, this plan provides routine vision and hearing exams with no copay, alongside preventive dental care and a $300 eyewear allowance every two years. While diagnostic lab tests and diabetic supplies require no copay, other medical needs like dialysis and Part B drugs carry a 20% coinsurance, and durable medical equipment requires a 50% coinsurance. Skilled nursing facility stays are also covered, featuring no copay for the first 20 days and a $218 daily copay for days 21 through 100.
Inpatient Hospital See details
Inpatient hospital services covered by the AARP Medicare Advantage CareFlex from UHC MA-9 (HMO-POS) plan require prior authorization and feature no coinsurance, with a $550 daily copay for days 1-5 of acute stays or days 1-4 of psychiatric stays, and no copay for subsequent covered days. This benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage CareFlex from UHC MA-9 (HMO-POS) covers outpatient services with no coinsurance, although prior authorization is required for most services. There is no copay for ambulatory surgical center and outpatient blood services, while outpatient hospital copays range from $0 to $550, and outpatient substance abuse sessions require a copay of $0 to $55.
Partial Hospitalization See details
Partial hospitalization is covered by AARP Medicare Advantage CareFlex from UHC MA-9 (HMO-POS) with a $105 copay and no coinsurance. Prior authorization is required to receive these services.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered under AARP Medicare Advantage CareFlex from UHC MA-9 (HMO-POS), featuring a $275 copay and no coinsurance for ground and air ambulance services, which require prior authorization. While some transportation services are covered, trips to plan-approved or any health-related locations are not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage CareFlex from UHC MA-9 (HMO-POS) 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 and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Primary Care benefits under the AARP Medicare Advantage CareFlex from UHC MA-9 (HMO-POS) are covered with no coinsurance, featuring no copay for primary care provider visits, telehealth, and opioid treatment. Other covered services, such as specialists, therapy, and mental health sessions, require copays ranging from $0 to $60, while chiropractic services are not covered.
Preventive Services See details
Preventive services are covered by AARP Medicare Advantage CareFlex from UHC MA-9 (HMO-POS) with no copay and no coinsurance for annual physicals, kidney disease education, fitness benefits, home safety devices, glaucoma screenings, diabetes training, digital rectal exams, and EKGs. However, the benefit is only partially covered, as health education, in-home safety assessments, PERS, 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, additional smoking cessation, disease management, telemonitoring, remote access technologies, and counseling are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage CareFlex from UHC MA-9 (HMO-POS) with no deductible and no coinsurance. Routine hearing exams have no copay, prescription hearing aids have a $199 to $1,249 copay, and OTC hearing aids have a $199 to $829 copay, but fitting/evaluation for hearing aids as well as inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
Vision services are covered by AARP Medicare Advantage CareFlex from UHC MA-9 (HMO-POS), offering one routine eye exam per year with no copay or coinsurance, though other exam services are not covered. Eyewear is covered with no coinsurance up to a $300 limit every two years, featuring no copay for contact lenses and frames, and a $0 to $153 copay for lenses, while upgrades and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage CareFlex from UHC MA-9 (HMO-POS) provides partially covered dental services, featuring Medicare-covered dental care with no copay and 20% coinsurance, and preventive services with no copay and no coinsurance. However, comprehensive dental treatments such as restorative, endodontic, periodontic, prosthodontic, implant, oral surgery, and orthodontic services are not covered under this plan.
Home Infusion bundled Services See details
AARP Medicare Advantage CareFlex from UHC MA-9 (HMO-POS) covers home infusion bundled services with no copay, subject to prior authorization. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs require no copay and range from no coinsurance to 20% coinsurance, while Part B insulin drugs require a $35 copay and range from no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage CareFlex from UHC MA-9 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Medical Equipment benefits under the AARP Medicare Advantage CareFlex from UHC MA-9 (HMO-POS) are covered with no copays, but require a 50% coinsurance for durable medical equipment, prosthetic devices, medical supplies, and diabetic therapeutic shoes or inserts. Diabetic supplies are covered with no copay, though prior authorization and manufacturer limitations apply to these services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage CareFlex from UHC MA-9 (HMO-POS) with prior authorization required. Members pay no copay or coinsurance for lab services, a $50 copay with no coinsurance for diagnostic procedures, a $30 copay for outpatient X-rays, copays starting at $0 for diagnostic radiology, and a 20% coinsurance for therapeutic radiological services.
Home Health Services See details
Home health services are covered by the AARP Medicare Advantage CareFlex from UHC MA-9 (HMO-POS) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage CareFlex from UHC MA-9 (HMO-POS) covers some cardiac rehabilitation services with no copay and no coinsurance, subject to prior authorization. However, standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) services are not covered in practice.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage CareFlex from UHC MA-9 (HMO-POS) covers skilled nursing facility (SNF) care with no coinsurance, featuring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, and while a three-day prior hospital stay is not needed, additional days beyond the 100-day Medicare limit are not covered.
Other Services See details
AARP Medicare Advantage CareFlex from UHC MA-9 (HMO-POS) partially covers other services, which include over-the-counter 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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