A non-government entity
AARP Medicare Advantage CareFlex from UHC AZ-17 (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 AZ-17 (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 AZ-17 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage CareFlex from UHC AZ-17 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Graham, Pima, and Santa Cruz Counties. 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 AZ-17 (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 AZ-17 (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 AZ-17 (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 AZ-17 (HMO-POS)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
The AARP Medicare Advantage CareFlex from UHC AZ-17 (HMO-POS) plan features an enhanced alternative drug benefit with a $600 annual prescription drug deductible. After meeting this deductible, you enter the initial coverage phase where standard pharmacy costs include a $10 copay for Tier 1 preferred generic drugs and a 20% coinsurance for Tier 2 standard generics. Tier 3 preferred brands require 29% coinsurance and Tier 4 non-preferred drugs require 26% coinsurance, which applies to both retail and mail-order options. Once your yearly out-of-pocket drug costs reach $2,100, you enter the catastrophic coverage phase and pay nothing for covered Part D prescriptions. Additionally, individuals who qualify for the low-income subsidy, or Extra Help, will have no copay for their Part D coverage.
Additional Benefits
The AARP Medicare Advantage CareFlex from UHC AZ-17 (HMO-POS) offers comprehensive coverage with no copay and no coinsurance for primary care, telehealth visits, and routine preventive services. For inpatient hospital stays, members pay a $550 daily copay for the first few days and no copay for subsequent days, while emergency care carries a $130 copay that is waived upon admission. Outpatient and diagnostic services are also covered, with costs ranging from no copay for lab tests to varying copays for specialist visits and outpatient hospital procedures. This plan also provides valuable dental, vision, and hearing benefits, featuring no copay for routine eye exams, preventive dental care, and routine hearing tests. Members can access a $1,000 annual dental limit with a 50% coinsurance for comprehensive care, alongside a $300 eyewear allowance every two years. Additionally, the plan covers over-the-counter items and home health services with no copay, and hearing aids with copays starting at $199.
Inpatient Hospital See details
Inpatient Hospital benefits are partially covered by AARP Medicare Advantage CareFlex from UHC AZ-17 (HMO-POS), excluding upgrades, non-Medicare-covered stays, and additional psychiatric days. Acute care requires a $550 daily copay for days 1 to 5 and no copay for days 6 to 999, while psychiatric care requires a $550 daily copay for days 1 to 4 and no copay for days 5 to 90, with no coinsurance required for either service.
Outpatient Services See details
AARP Medicare Advantage CareFlex from UHC AZ-17 (HMO-POS) covers outpatient services with no coinsurance, featuring no copay for ambulatory surgical center and blood services. Other covered services require prior authorization, with copays ranging up to $55 for outpatient substance abuse sessions and up to $550 per day for outpatient hospital and observation services.
Partial Hospitalization See details
AARP Medicare Advantage CareFlex from UHC AZ-17 (HMO-POS) covers partial hospitalization services with a $105.00 copay and no coinsurance. Prior authorization is required for these covered benefits.
Ambulance and Transportation Services See details
AARP Medicare Advantage CareFlex from UHC AZ-17 (HMO-POS) partially covers ambulance and transportation services, offering ground and air ambulance coverage with a $155 copay and no coinsurance. Routine transportation services to health-related locations are not covered by this plan.
Emergency Services See details
AARP Medicare Advantage CareFlex from UHC AZ-17 (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 no copay 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 AZ-17 (HMO-POS) covers primary care and telehealth services with no copays or coinsurance, while specialist, therapy, and mental health visits require copays ranging from $0 to $60 and no coinsurance. Chiropractic services are partially covered with a $15 copay and no coinsurance, as routine chiropractic care is not covered.
Preventive Services See details
AARP Medicare Advantage CareFlex from UHC AZ-17 (HMO-POS) covers preventive services, including annual physical exams and kidney disease education, with no copay and no coinsurance. Additional preventive benefits are partially covered; fitness programs and home safety devices are covered at no cost, but health education, safety assessments, PERS, medical nutrition therapy, medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, and counseling are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage CareFlex from UHC AZ-17 (HMO-POS), with no coverage for fitting/evaluation for hearing aids, or inner ear, outer ear, and over-the-ear prescription hearing aids. Covered hearing exams carry a $30.00 copay (no copay for routine exams) and no coinsurance, while covered prescription and OTC hearing aids require copays ranging from $199.00 to $1,249.00 and no coinsurance.
Vision Services See details
AARP Medicare Advantage CareFlex from UHC AZ-17 (HMO-POS) partially covers vision services, as upgrades and combined eyeglasses (lenses and frames) are not covered. Routine eye exams, contact lenses, and eyeglass frames have no copay and no coinsurance, while eyeglass lenses carry a copay of $0 to $153 and no coinsurance, up to a combined $300 eyewear limit every two years.
Dental Services See details
AARP Medicare Advantage CareFlex from UHC AZ-17 (HMO-POS) partially covers dental services up to a $1,000 annual maximum, offering preventive care like cleanings and oral exams with no copay and no coinsurance. Medicare-covered dental services require a 20% coinsurance and no copay, while covered comprehensive services like restorative work and endodontics have a 50% coinsurance and no copay, though implant services and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage CareFlex from UHC AZ-17 (HMO-POS) covers Home Infusion bundled Services, requiring prior authorization and featuring no copay and coinsurance ranging from no coinsurance up to 20% for chemotherapy and other Part B drugs. Covered Medicare Part B insulin drugs require a $35 copay and coinsurance ranging from no coinsurance up to 20%.
Dialysis Services See details
AARP Medicare Advantage CareFlex from UHC AZ-17 (HMO-POS) covers Dialysis Services with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
AARP Medicare Advantage CareFlex from UHC AZ-17 (HMO-POS) covers durable medical equipment, prosthetic devices, medical supplies, and diabetic therapeutic shoes with a 50% coinsurance and no copay. Diabetic supplies are covered with no copay and no coinsurance, and prior authorization is required for these medical equipment benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage CareFlex from UHC AZ-17 (HMO-POS) covers diagnostic and radiological services with prior authorization required. Patients will pay no copay for lab services, a $25 copay for diagnostic tests, a $30 copay for outpatient X-rays, up to a $150 copay for diagnostic radiology, and 20% coinsurance for therapeutic radiology.
Home Health Services See details
AARP Medicare Advantage CareFlex from UHC AZ-17 (HMO-POS) covers Home Health Services with no copay and no coinsurance. Prior authorization is required to receive these covered services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage CareFlex from UHC AZ-17 (HMO-POS) plan, as none of the sub-services are covered in practice. This lack of coverage applies to cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) benefits are partially covered by AARP Medicare Advantage CareFlex from UHC AZ-17 (HMO-POS), though additional days beyond Medicare-covered services are not covered. This benefit features no coinsurance, requiring no copay for days 1 through 20 and a $218 copay per day for days 21 through 100.
Other Services See details
Other Services are partially covered by AARP Medicare Advantage CareFlex from UHC AZ-17 (HMO-POS), which provides Over-the-Counter (OTC) items with no copay and no coinsurance. Acupuncture, meal benefits, and Dual Eligible SNPs with Highly Integrated Services are not covered.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved