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Aetna Medicare Signature Extra (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Aetna Medicare Signature Extra (HMO-POS). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Aetna Medicare Signature Extra (HMO-POS) in 2026, please refer to our full plan details page.
Aetna Medicare Signature Extra (HMO-POS) is a HMO-POS plan offered by CVS Health Corporation available for enrollment in 2025 to people living in Alameda, San Francisco and San Mateo Counties. This plan received an overall rating of 3 out of 5 stars in 2026.
It's important to know that Aetna Medicare Signature Extra (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 Aetna Medicare Signature Extra (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 Aetna Medicare Signature Extra (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 $300.00 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 $3600.00 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 Aetna Medicare Signature Extra (HMO-POS)
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Drug Coverage
The Aetna Medicare Signature Extra (HMO-POS) plan features an Enhanced Alternative drug benefit with a $300.00 annual prescription drug deductible. Once this deductible is met, Tier 1 preferred generic drugs require a $10.00 copay at preferred pharmacies and preferred mail order, or a $12.00 copay at standard pharmacies and standard mail. For other tiers, you will pay a coinsurance of 25% for standard generics, 26% for preferred brands, and 29% for non-preferred drugs. After your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and will have no copay for Medicare Part D covered drugs. Additionally, individuals who qualify for the low-income subsidy can receive a premium reduction resulting in no copay for Part D coverage. This plan ensures your prescription medication costs are highly predictable as you transition through the coverage phases.
Additional Benefits
The Aetna Medicare Signature Extra (HMO-POS) plan offers comprehensive coverage with no copay and no coinsurance for many essential services, including primary care, specialist visits, home health care, and routine diagnostic tests. For inpatient hospital stays, members pay a $325 daily copay for the first seven days and no copay for days eight through 90. Emergency care is available with a $150 copay, which is waived upon hospital admission, while urgent care services are provided with no copay. Specialty benefits under this plan feature no copay for routine dental cleanings, annual vision exams with up to $100 for eyewear, and routine hearing exams with up to $500 per ear for prescription hearing aids. While many preventive services and medical supplies carry no copay, other services like dialysis and durable medical equipment require a 20% coinsurance. Skilled nursing facility care is also available with daily copays of $20 for the first 20 days and $218 for days 21 through 100.
Inpatient Hospital See details
Inpatient hospital care is partially covered by Aetna Medicare Signature Extra (HMO-POS) with a $325 daily copay for days 1 through 7, no copay for days 8 through 90, and no coinsurance. Prior authorization is required, and the plan does not cover acute hospital upgrades, non-Medicare-covered stays, or additional days for psychiatric hospitalizations.
Outpatient Services See details
Outpatient services are covered by Aetna Medicare Signature Extra (HMO-POS) with no coinsurance and copays ranging from no copay for blood services up to $325 per stay for observation services. Other covered benefits include ambulatory surgical center services with a $200 copay, outpatient hospital visits with a $0 to $250 copay, and outpatient substance abuse sessions with a $40 copay.
Partial Hospitalization See details
Aetna Medicare Signature Extra (HMO-POS) covers partial hospitalization benefits with prior authorization required, featuring no coinsurance and copayments ranging from no copay to $180.00.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered under Aetna Medicare Signature Extra (HMO-POS), as transportation services to health-related locations are not covered. Ground ambulance services require a $295 copay and no coinsurance, while air ambulance services require a 20% coinsurance and no copay.
Emergency Services See details
Emergency services are covered by Aetna Medicare Signature Extra (HMO-POS) with a $150 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services are covered with no copay and no coinsurance, while worldwide emergency services are covered up to a $250,000 maximum with copays ranging from $150 to $295.
Primary Care See details
Primary Care benefits under Aetna Medicare Signature Extra (HMO-POS) are partially covered, as podiatry services are not covered. Most covered services, including primary care, specialist, and therapy visits, have no copay and no coinsurance, while psychiatric and mental health services require a $40 copay with no coinsurance, and telehealth services carry a 20% coinsurance and a $0 to $40 copay.
Preventive Services See details
Preventive services are partially covered by Aetna Medicare Signature Extra (HMO-POS) with no copay and no coinsurance for most options, except for kidney disease education which requires a 20% coinsurance and no copay. Non-covered services include in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, enhanced disease management, telemonitoring, home and bathroom safety modifications, and counseling.
Hearing Services See details
Hearing Services are partially covered by Aetna Medicare Signature Extra (HMO-POS), offering annual routine exams, fitting evaluations, and general prescription hearing aids with no copay and no coinsurance. OTC hearing aids and inner ear, outer ear, or over-the-ear prescription hearing aids are not covered, and covered prescription aids are subject to a $500 annual maximum benefit per ear.
Vision Services See details
Aetna Medicare Signature Extra (HMO-POS) covers vision services with no copay and no coinsurance, including one routine eye exam and follow-up diabetic eye exams annually. Eyewear, including contact lenses, lenses, and frames, is also covered with no copay and no coinsurance up to a combined annual limit of $100.
Dental Services See details
Aetna Medicare Signature Extra (HMO-POS) offers partially covered dental services, featuring no copay for Medicare dental services, oral exams, cleanings, and X-rays. Covered restorative and orthodontic services require a 20% to 50% coinsurance up to a $1,000 annual maximum, while fluoride, implants, maxillofacial prosthetics, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered under Aetna Medicare Signature Extra (HMO-POS) with prior authorization, requiring a $35 copay and no coinsurance for Medicare Part B insulin. Other covered Part B drugs, including chemotherapy and radiation, have no copay and a coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Aetna Medicare Signature Extra (HMO-POS) covers dialysis services with 20% coinsurance and no copay, although prior authorization is required.
Medical Equipment See details
Medical equipment is covered by Aetna Medicare Signature Extra (HMO-POS), with prior authorization required for most items. There are no copays for these benefits, and coinsurance ranges from no coinsurance for medical supplies and diabetic shoes up to 20% coinsurance for durable medical equipment, prosthetics, and diabetic supplies.
Diagnostic and Radiological Services See details
Aetna Medicare Signature Extra (HMO-POS) covers diagnostic and radiological services with no coinsurance, offering no copay for lab services, diagnostic tests, outpatient X-rays, and diagnostic radiology. A $60 copay applies to therapeutic radiological services, and prior authorization may be required.
Home Health Services See details
Aetna Medicare Signature Extra (HMO-POS) covers Home Health Services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the Aetna Medicare Signature Extra (HMO-POS) plan, as intensive cardiac, pulmonary, and SET for PAD services are not covered.
Skilled Nursing Facility (SNF) See details
Aetna Medicare Signature Extra (HMO-POS) partially covers Skilled Nursing Facility (SNF) services, requiring a copay of $20 per day for days 1 to 20 and $218 per day for days 21 to 100 with no coinsurance. Prior authorization is required, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Aetna Medicare Signature Extra (HMO-POS) provides additional benefits including acupuncture, over-the-counter items, and select wellness screenings with no copay and no coinsurance. However, meal benefits and dual eligible SNPs with highly integrated services are not covered under this plan.
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