AARP Medicare Advantage from UHC FL-0006 (HMO-POS) Medicare Advantage Plan H1045-028 • 2027
- Monthly Premium
- $0.00Plus Part B premium.
- Medical Deductible
- Coming soon
- Maximum Out-of-Pocket
- $3800.00In-network
- Part B Giveback
- Coming soon
- Prescription Coverage
- Enhanced, $405.00 deductible
- Additional Benefits
- None
- Service Area
- See List
- Total Enrollment
- 31,467 beneficiaries
AARP Medicare Advantage from UHC FL-0006 (HMO-POS) Introduction
AARP Medicare Advantage from UHC FL-0006 is a Medicare Advantage HMO-POS plan offered by UnitedHealthcare. It uses a Health Maintenance Organization with a Point of Service (HMO-POS) provider network and comes with prescription drug coverage. For the 2027 plan year it has a $0.00 monthly premium, Coming soon medical deductible, and $3800.00 in-network maximum out-of-pocket. CMS Plan ID H1045-028 identifies this plan. The 2027 Part D prescription drug deductible is $405.00.
Plan Benefits
AARP Medicare Advantage from UHC FL-0006 includes cost-sharing, which refers to out-of-pocket expenses for covered healthcare services. The tables below outline the most common in-network out-of-pocket costs associated with plan H1045-028.
Compare 2027 plan benefits with 2026.
Office Visits
| Covered Service | 2027 | 2026 |
|---|---|---|
| Primary care | Coming soon | In-network: $0 copay |
| Specialist | Coming soon | In-network: $0-$45 copay |
Preventive and Wellness Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Annual wellness exam | Coming soon | In-network: $0 copay |
| Telehealth benefit | Coming soon | In-network: $0 copay |
| Routine chiropractic | Coming soon | Not covered |
| Fitness benefits | Coming soon | In-network: $0 copay |
| Health education | Coming soon | Not covered |
| Counseling services | Coming soon | Not covered |
| Over-the-counter drug benefits | Coming soon | In-network: $0 copay |
| Health transportation (non-emergency) | Coming soon | Not covered |
Diagnostic, Lab, and Imaging Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Diagnostic radiology services | Coming soon | In-network: $0-$260 copay |
| Lab services | Coming soon | In-network: $0 copay |
| Outpatient x-rays | Coming soon | In-network: $5 copay |
| Diagnostic tests and procedures | Coming soon | In-network: $5 copay |
Emergency and Urgent Care Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Emergency room care | Coming soon | $150 copay |
| Worldwide emergency care | Coming soon | $0 copay |
| Urgent care | Coming soon | $0-$65 copay |
| Inpatient hospital care | Coming soon | In-network: Tier 1 $250 per day for days 1-7 $0 per day for days 8-90 $0 per stay |
| Skilled Nursing Facility | Coming soon | In-network: Tier 1 $0 per day for days 1-20 $218 per day for days 21-100 |
| Ground ambulance | Coming soon | In-network: $150 copay |
Mental Health Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Outpatient individual therapy | Coming soon | In-network: $0-$25 copay |
| Outpatient group therapy | Coming soon | In-network: $15 copay |
| Inpatient psychiatric hospital care | Coming soon | In-network: Tier 1 $250 per day for days 1-7 $0 per day for days 8-90 $0 per stay |
Rehabilitation Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Physical therapy and speech and language therapy | Coming soon | In-network: $20 copay |
| Occupational therapy | Coming soon | In-network: $20 copay |
Medical Equipment and Supplies
| Covered Service | 2027 | 2026 |
|---|---|---|
| Diabetes supplies | Coming soon | In-network: $0 copay |
| Durable medical equipment | Coming soon | In-network: 20% coinsurance |
| Prosthetics | Coming soon | In-network: 20% coinsurance |
Medicare Part B Drugs
| Covered Service | 2027 | 2026 |
|---|---|---|
| Chemotherapy | Coming soon | In-network: 0%-20% coinsurance |
| Other Part B drugs (Medicare-covered) | Coming soon | In-network: 0%-20% coinsurance |
Dental Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Oral exam | Coming soon | In-network: $0 copay Out-of-network: $0 copay |
| Dental x-rays | Coming soon | In-network: $0 copay Out-of-network: $0 copay |
| Cleaning | Coming soon | In-network: $0 copay Out-of-network: $0 copay |
| Periodontics | Coming soon | In-network: 50% coinsurance Out-of-network: 50% coinsurance |
| Endodontics | Coming soon | In-network: 50% coinsurance Out-of-network: 50% coinsurance |
| Restorative services | Coming soon | In-network: 50% coinsurance Out-of-network: 50% coinsurance |
| Implant services | Coming soon | Not covered |
| Orthodontics | Coming soon | Not covered |
| Oral/Maxillofacial surgery | Coming soon | In-network: 50% coinsurance Out-of-network: 50% coinsurance |
Vision Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Routine eye exam | Coming soon | In-network: $0 copay |
| Contact lenses | Coming soon | In-network: $0 copay |
| Eyeglass frames only | Coming soon | In-network: $0 copay |
| Eyeglass lenses only | Coming soon | In-network: $0-$153 copay |
| Eyeglasses (frames & lenses) | Coming soon | Not covered |
| Upgrades | Coming soon | Not covered |
Hearing Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Hearing exam | Coming soon | In-network: $0 copay |
| Fitting/evaluation | Coming soon | Not covered |
| Prescription hearing aids | Coming soon | In-network: $199-$1249 copay |
| OTC hearing aids | Coming soon | In-network: $199-$829 copay |
Additional and Special Needs Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Adult day health services | Coming soon | Not covered |
| Home-based palliative care | Coming soon | Not covered |
| Personal emergency response system | Coming soon | Not covered |
| Weight management programs | Coming soon | Not covered |
| Wigs for chemotherapy-related hair loss | Coming soon | Not covered |
| Alternative therapies | Coming soon | Not covered |
| Massage therapy | Coming soon | Not covered |
| Home/bathroom safety devices | Coming soon | In-network: $0 copay |
Certain preventive services are covered 100% by AARP Medicare Advantage from UHC FL-0006 as a Part B benefit.
Prescription Drug Coverage
AARP Medicare Advantage from UHC FL-0006 includes a Medicare Part D prescription drug plan (PDP). Plan type and coverage level are defined by CMS and may vary between basic and enhanced benefit designs.
This plan includes an enhanced benefit Medicare Part D plan (PDP), providing coverage beyond the standard CMS-defined minimum.
Prescription Drug Plan Premium
The Part D prescription drug plan premium is included in the overall Medicare Advantage plan cost. Additional adjustments may apply through the Low-Income Subsidy (LIS) program, also known as Extra Help, administered by Social Security. LIS benefits are separate from Medicare Special Needs Plan coverage.
| Part D Premium Component | Amount |
|---|---|
| Basic Part D Premium: | $0.00 |
| Supplemental Part D Premium: | $$0.00 |
| Total Part D Premium: | $0.00 |
| Low-Income Premium Subsidy: | $7.28 |
| Low-Income Premium Subsidy Paid by CMS: | $0.00 |
| Low-Income Subsidy Premium: | $0.00 |
For more details, visit the Social Security Extra Help program .
Prescription Drug Plan Deductible
This plan has a $405.00 annual Part D deductible. You'll pay this deductible at the pharmacy before UnitedHealthcare starts contributing towards your prescription costs.
Prescription Drug Plan Out-of-Pocket Costs
Beyond premiums and deductibles, AARP Medicare Advantage from UHC FL-0006 may have additional costs at pharmacies. The table below outlines out-of-pocket expenses by drug tier.
| Drug Tier | Retail | Mail Order |
|---|---|---|
| Cost data not available. | ||
| *Deductible does not apply. | ||
CMS 5-Star Performance Ratings (Contract ID: H1045)
CMS evaluates Medicare Advantage (Part C) and Part D plans annually using a 5-star rating system. Ratings reflect performance in preventive care, chronic condition management, and member experience.
| CMS Measure | Star Rating |
|---|---|
| 2027 Overall Rating | |
| Staying Healthy: Screenings, Tests, Vaccines | |
| Managing Chronic (Long Term) Conditions | |
| Member Experience with Health Plan | |
| Complaints and Changes in Plans Performance | |
| Health Plan Customer Service | |
| Drug Plan Customer Service | |
| Complaints and Changes in the Drug Plan | |
| Member Experience with the Drug Plan | |
| Drug Safety and Accuracy of Drug Pricing |
Contact Information for UnitedHealthcare
- Website
- UnitedHealthcare Plan Page
- Providers
- UnitedHealthcare Providers Page
- Formulary
- UnitedHealthcare Formulary Page
- Pharmacy
- UnitedHealthcare Pharmacy Page
- New Member Health Plan Help
- (800)555-5757
- New Member Health Plan TTY
- 711
- New Member Part D Help
- (800)555-5757
- New Member Part D TTY Users
- 711
Enrollment status and eligibility information are available through the Social Security Administration. Additional information about Medicare Advantage is available at Medicare.gov.
Plan Availability
AARP Medicare Advantage from UHC FL-0006 (H1045-028-0) is available in the following locations:
Frequently Asked Questions
Here are some of the most frequently asked questions about this plan (click to open).
Frequently Asked Questions About AARP Medicare Advantage from UHC FL-0006 (HMO-POS)
What is the monthly premium for AARP Medicare Advantage from UHC FL-0006 (HMO-POS)?
For 2027, the monthly premium is $0.00. Medicare Part B premiums apply in addition to this amount.
What is the MOOP for AARP Medicare Advantage from UHC FL-0006 in 2027?
The 2027 in-network MOOP is $3800.00. Once this limit is reached, covered in-network costs are fully covered.
What is the CMS star rating for AARP Medicare Advantage from UHC FL-0006?
CMS rates this plan at ★4.0 out of 5 stars for 2027.
How many beneficiaries are enrolled in this plan?
The plan has 31,467 enrolled beneficiaries according to CMS.
Is there a Part D deductible for this plan?
The Part D deductible is $405.00.
Medicare Plan Data Sources and Methodology
| Data Source | Publisher | Last Accessed |
|---|---|---|
| Landscape Source Files | Centers for Medicare & Medicaid Services | October 5, 2026 |
| Medicare Part C & D Performance | Centers for Medicare & Medicaid Services | October 5, 2026 |
| Plan Benefits Package | Centers for Medicare & Medicaid Services | October 5, 2026 |
| Monthly Enrollment by Contract/Plan/State/County | Centers for Medicare & Medicaid Services | October 5, 2026 |
Data sources and methodology documentation.
| Publisher | Reference | Last Accessed |
|---|---|---|
| UnitedHealthcare (official source) | http://myPreferredCare.com | October 4, 2026 |
| Medicare.gov | Understanding Medicare Advantage Plans | 25 May, 2025 |
| Medicare.gov | Joining a plan | 25 May, 2025 |
| Medicare.gov | Your coverage options | 25 May, 2025 |
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Provenance documentation for this data is maintained under the U.S. Core Data for Interoperability (USCDI) Provenance standard.
Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.