Quick answer: For 2027, UnitedHealthcare offers AARP Medicare Advantage HMO-POS and PPO plans in Volusia and Flagler, including a giveback plan worth up to $150 a month and a CareFlex plan with a $400-per-quarter credit toward your costs. UnitedHealthcare also sells AARP Medicare Supplement plans and ACA individual plans. We’re appointed for all three.
UnitedHealthcare carries the AARP name on its Medicare plans, which is why people often ask whether they need to be AARP members. For Medicare Advantage, you don’t. For AARP Medicare Supplement plans, AARP membership is required. Here’s the 2027 lineup for our area.
| Plan | Plan ID | Type | Monthly premium | Max out-of-pocket | PCP / specialist | Part B giveback | Drug deductible | OTC |
|---|---|---|---|---|---|---|---|---|
| AARP Medicare Advantage from UHC FL-0005 | H1045-026 | HMO-POS | $0 | $3,900 | $0 / $35 | None | $405 | $25 a quarter |
| AARP Medicare Advantage CareFlex FL-37 | H1045-067 | HMO-POS | $0 | $7,150 | $0 / $75 | None ($400 quarterly CareFlex credit) | $685 | $30 a quarter |
| AARP Medicare Advantage Giveback FL-40 | H1045-071 | HMO-POS | $0 | $7,150 ($500 medical deductible) | $0 / $75 | Up to $150 | $685 | Not listed |
| AARP Medicare Advantage FL-0021 | H2406-013 | PPO | $0 | $7,150 in-network; $10,750 combined | $0 / $65 | None | $685 | Not listed |
| AARP Medicare Advantage Patriot No Rx FL-MA2 | H2406-130 | PPO, no Part D | Plan has no Part D | $8,900 in-network | See plan documents | See plan documents | No drug coverage | See plan documents |
| AARP Medicare Advantage FL-0031 | R0759-001 | Regional PPO | $127 | $9,850 in-network | See plan documents | See plan documents | $685 | See plan documents |
Source: each plan’s 2027 Summary of Benefits; premium, MOOP and drug deductible cross-checked with the CMS CY2027 Landscape file (Sept. 2026). In-network figures. Plan year 2027. We hadn’t located 2027 Summaries of Benefits for H2406-130 and R0759-001 when this page was written; their figures come from CMS data only.
The CareFlex plan includes a $400 credit every quarter that you can use toward your own costs, such as hospital stays, specialist visits, emergency and urgent care, imaging, therapy and Part B drugs at non-retail settings. It’s a different way to lower your out-of-pocket costs than a lower copay, and it’s worth running your actual doctor visits through it.
The giveback plan reduces your Part B premium by up to $150 a month. The trade-off, per the 2027 Summary of Benefits, is a $500 medical deductible before most services are covered.
UHC’s 2027 Summaries list $0 for preventive dental (exams, X-rays, cleanings and fluoride) with no annual deductible, and FL-0005 adds a $200 eyewear allowance every two years. Comprehensive dental limits vary by plan, so check the Evidence of Coverage or ask us.
Special Needs Plans: UHC Dual Complete plans serve people with Medicare and Medicaid, UHC Complete Care FL-14 (C-SNP) serves people with qualifying chronic conditions, and the UHC Nursing Home Plan serves facility residents. We’ll check whether you qualify.
Brevard County: Brevard has its own UHC versions, including AARP Medicare Advantage from UHC FL-0007 (HMO-POS) H1045-030 with a $3,900 out-of-pocket limit, CareFlex FL-39 and the FL-0018 PPO. The Giveback FL-40 plan covers Brevard as well.
AARP Medicare Supplement plans are insured by UnitedHealthcare, and we’re appointed to offer them. They require AARP membership. Because a Supplement doesn’t include drug coverage, you’d pair it with a Part D plan, such as AARP Medicare Rx Saver or Rx Preferred. We quote Supplements one-on-one instead of posting rates. Learn more in our Florida Medicare Supplement guide.
UnitedHealthcare also sells individual and family plans in Florida, and we’re appointed to offer them. County availability for 2027 is confirmed when the Marketplace opens November 1, so we’ll check your ZIP code. Start with our ACA guide for Daytona and Volusia.
If the plan that fits your needs doesn’t include your current doctor, you’re not on your own. We have relationships with several doctors’ offices in the Daytona area, and for clients who are ready to switch, we help place them with a new provider and make a warm introduction.
Other 2027 carrier guides: Florida Blue, Aetna, Wellcare, Health First, Freedom Health, HealthSpring (formerly Cigna), Humana and CarePlus, Devoted Health and Optimum HealthCare. For the big picture, start with our Medicare plans overview, our Part D drug plan page and our Medicare Supplement guide.
No. AARP membership isn’t required for AARP Medicare Advantage plans from UnitedHealthcare. It is required for AARP Medicare Supplement plans.
The AARP Medicare Advantage CareFlex FL-37 plan includes a $400 quarterly credit you can apply to your own costs for services such as hospital care, specialist visits and imaging, according to its 2027 Summary of Benefits.
Yes. AARP Medicare Advantage Giveback FL-40 has a $500 medical deductible in 2027 and reduces your Part B premium by up to $150 a month.
Yes. AARP Medicare Advantage from UHC FL-0021 (PPO) H2406-013 has a $0 premium and a $7,150 in-network out-of-pocket limit.
UnitedHealthcare sells individual and family plans in Florida, and we’re appointed with them. Call us to confirm availability for your ZIP code once open enrollment begins November 1.
Yes. We work with several local doctors’ offices and will help place you with a new provider and introduce you.
Sit down with us at our South Daytona office or talk by phone. We’ll run your doctors and every prescription through the 2027 plans for your ZIP code.
This page is for general education. Plan availability, benefits, premiums, networks, drug lists and costs vary by county and plan year and can change on January 1 each year. Figures come from each plan’s 2027 Summary of Benefits and the CMS 2027 plan data; always confirm with the plan’s Evidence of Coverage. HealthBrokerFL / USA Benefits Group is an independent insurance agency and is not affiliated with, or endorsed by, UnitedHealthcare. We are not connected with or endorsed by the U.S. government or the federal Medicare program.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.