AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS) in Okeechobee County, Florida — 2026 plan details
Last updated Jul 18, 2026
Reviewed by Jason Burns, Editorial Steward
Published by Senior Direct Answers · Licensed under Citation License 1.0
AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS) (H1045-060) is a $0-premium Medicare Advantage HMO-POS from UnitedHealth Group, Inc. available in Okeechobee County, Florida in 2026, with a 4.5-star overall rating, a $6,700 in-network out-of-pocket maximum, and a $600 annual Part D drug deductible.
Plan facts (CMS CY2026 Landscape file)
| Organization | UnitedHealth Group, Inc. |
|---|---|
| Plan name | AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS) |
| Contract ID | H1045 |
| Plan ID | 060 |
| Segment ID | 0 |
| Contract year | 2026 |
| Contract category | MA-PD |
| Plan type | HMO-POS |
| SNP | No |
| Monthly consolidated premium | $0.00 |
| Part C premium | $0.00 |
| Part D basic premium | $0.00 |
| Part D total premium | $0.00 |
| Annual Part D deductible | $600.00 |
| Maximum out-of-pocket (in-network) | $6700.00 |
| Overall star rating | 4.5 |
How this plan is structured
- $0 consolidated premium. A $0 or near-$0 consolidated premium does not remove the Part B premium — the standard 2026 Part B premium is $202.90 per month and still applies. See the 2026 Medicare Part B premium.
- HMO-POS plan type. In an HMO-style Medicare Advantage plan, in-network care and primary-care referral rules generally apply. See how Medicare Advantage HMO and PPO plans differ.
- $6,700 in-network out-of-pocket maximum. The MOOP is the annual cap on what a member pays in-network for covered Part A and Part B services. See how the Medicare Advantage MOOP works.
- Service area = Okeechobee County. Medicare Advantage plans are sold by service area; moving out of the plan's service area triggers a Special Enrollment Period to switch plans. See how moving changes your Medicare options.
How it compares in Okeechobee County
The CMS CY2026 Landscape file lists 41 Medicare Advantage plans in Okeechobee County, Florida, of which 0 carry a 5.0-star overall rating and 28 have a $0 consolidated monthly premium. Consolidated premiums range from $0.00 to $184.00 per month, and in-network out-of-pocket maximums range from $2700.00 to $9250.00.
For the full county plan directory, see all Medicare plans in Okeechobee County, Florida.
How to verify your doctors take this plan
Network participation changes throughout the year; we hold no provider-network data, so verify directly with these three sources before you decide:
- Open the plan's official Medicare.gov page and use its provider-directory link: Medicare.gov Plan Finder — H1045-060.
- Call the plan (UnitedHealth Group, Inc.) using the member-services number listed on that plan page and ask whether each doctor, hospital, and pharmacy is in-network for 2026.
- Get free, unbiased help from your State Health Insurance Assistance Program (SHIP) — see free unbiased Medicare help from SHIP.
What H1045-060 means
CMS assigns every Medicare Advantage and Part D offering a plan identifier made of three parts. In H1045-060, the leading H marks the contract type (H = Medicare Advantage / Part C contract), the four digits 1045 are the contract number issued to the organization, and the three-digit 060 is the plan benefit package under that contract. The segment ID 0 identifies the service-area segment within the plan (0 = the default single segment).
Frequently asked questions
Is AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS) an HMO or PPO?
AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS) is an HMO-POS — a Health Maintenance Organization-style Medicare Advantage plan, meaning in-network care and referral rules generally apply.
Does AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS) include prescription drug coverage?
Yes — AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS) is a Medicare Advantage plan with prescription drug coverage (MA-PD) and a $600.00 annual Part D drug deductible for 2026.
What is the maximum out-of-pocket cost for AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS)?
The 2026 in-network maximum out-of-pocket limit for AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS) is $6700.00, per the CMS CY2026 Landscape file.
What counties offer AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS) (H1045-060)?
AARP Medicare Advantage CareFlex from UHC FL-35 (HMO-POS) (H1045-060) is offered in four Florida counties: Indian River County, Martin County, Okeechobee County, and St. Lucie County.
Sources
- CMS, Plan Year 2026 Medicare Advantage & Part D Landscape source file (March 2026) — retrieved 2026-07-18. Overall star rating year: 2026.
- Medicare.gov Plan Finder — compare plans and enroll.