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Aetna Medicare Signature Extra (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Aetna Medicare Signature Extra (HMO). 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) in 2026, please refer to our full plan details page.
Aetna Medicare Signature Extra (HMO) is a HMO plan offered by CVS Health Corporation available for enrollment in 2026 to people living in Los Angeles and Orange 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) 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).
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), 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 $599.00 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:
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Drug Coverage
The Aetna Medicare Signature Extra (HMO) plan offers an Enhanced Alternative drug benefit with an annual prescription drug deductible of $300. After meeting this deductible, you will pay a $10 copay for Tier 1 preferred generic drugs at preferred pharmacies and mail-order services, or a $12 copay at standard pharmacies. For other tiers, costs are based on coinsurance, ranging from 25% for standard generics to 29% for non-preferred drugs during the initial coverage phase. If you qualify for the Low-Income Subsidy, you will pay no premium for your Part D coverage. Furthermore, once your yearly out-of-pocket drug costs reach $2,100, you enter the catastrophic coverage phase and pay nothing for covered Part D drugs. This structured plan helps Medicare beneficiaries manage their annual medication expenses with clear, predictable costs.
Additional Benefits
The Aetna Medicare Signature Extra (HMO) plan offers robust coverage for essential medical services, featuring no copays and no coinsurance for inpatient hospital stays, outpatient services, and primary care or specialist visits. Emergency room visits require a $150 copay, which is waived if you are admitted, while urgently needed care is available with no copay. Skilled nursing facility stays are also highly affordable, with no copay for the first 20 days and a $50 copay for days 21 through 100. For routine wellness, members enjoy no copays and no coinsurance for preventive care, annual physicals, routine vision and hearing exams, and preventive dental services. The plan also provides helpful allowances for eyewear and hearing aids, though comprehensive dental services and dialysis require a coinsurance. Home health care is fully covered with no copay, while durable medical equipment typically carries a coinsurance ranging from 0 percent to 20 percent.
Inpatient Hospital See details
Aetna Medicare Signature Extra (HMO) inpatient hospital benefits are partially covered, offering Medicare-covered acute and psychiatric stays with no copay and no coinsurance. Prior authorization is required, and some services—including hospital upgrades, non-Medicare-covered stays, and additional psychiatric days—are not covered.
Outpatient Services See details
Outpatient services are covered by Aetna Medicare Signature Extra (HMO) with no copay and no coinsurance for outpatient hospital, observation, ambulatory surgical center, substance abuse, and blood services. Prior authorization is required for outpatient hospital, observation, surgical center, and substance abuse services, and there is no deductible for blood services.
Partial Hospitalization See details
Aetna Medicare Signature Extra (HMO) covers partial hospitalization benefits, though prior authorization is required. Depending on the specific service, members will pay either no copay or a $180 copay, with no coinsurance required.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by Aetna Medicare Signature Extra (HMO), with ground ambulance requiring a $275 copay and no coinsurance, and air ambulance requiring a 20% coinsurance and no copay. Transportation to plan-approved locations is covered with no copay or coinsurance for up to 6 one-way trips per year, while transportation to any health-related location is not covered.
Emergency Services See details
Aetna Medicare Signature Extra (HMO) covers emergency services with a $150 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services are available with no copay and no coinsurance, and worldwide emergency care is covered up to a $250,000 maximum with copays between $150 and $275 and no coinsurance.
Primary Care See details
Primary Care benefits are partially covered by Aetna Medicare Signature Extra (HMO), as podiatry services are not covered. Most covered services—including primary care visits, therapy, chiropractic care, and specialist visits—have no copay and no coinsurance, while additional telehealth benefits require a 20% coinsurance and no copay.
Preventive Services See details
Aetna Medicare Signature Extra (HMO) covers many preventive services, including annual physicals, glaucoma screenings, and fitness benefits, with no copay and no coinsurance. Kidney disease education services are covered with a 20% coinsurance and no copay, while several supplemental benefits like weight management and in-home safety assessments are not covered.
Hearing Services See details
Aetna Medicare Signature Extra (HMO) provides coverage for routine hearing exams and hearing aid fittings with no copay and no coinsurance. Prescription hearing aids are partially covered up to $500 per ear annually with no copay or coinsurance, though inner ear, outer ear, over-the-ear, and over-the-counter hearing aids are not covered.
Vision Services See details
Aetna Medicare Signature Extra (HMO) covers vision services with no copay and no coinsurance for routine and diabetic eye exams. Covered eyewear, including contact lenses, eyeglasses, and upgrades, also has no copay and no coinsurance up to a combined maximum benefit of $100 per year.
Dental Services See details
Aetna Medicare Signature Extra (HMO) offers partially covered dental services with no copays or coinsurance for preventive care, including oral exams, cleanings, and x-rays. Covered comprehensive services require no copay and 20% to 50% coinsurance up to a $500 annual maximum, while fluoride treatments, implants, orthodontics, and maxillofacial prosthetics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by Aetna Medicare Signature Extra (HMO), requiring prior authorization and step therapy. Covered Medicare Part B insulin drugs carry a $35 copay and no coinsurance, while chemotherapy, radiation, and other Part B drugs require no copay and a coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Aetna Medicare Signature Extra (HMO) covers dialysis services with a 20% coinsurance and no copay. Prior authorization is required to receive these covered services.
Medical Equipment See details
Medical equipment is covered by Aetna Medicare Signature Extra (HMO), with prior authorization required for most items. There is no copay for these benefits, with coinsurance ranging from 0% to 20% for durable medical equipment and diabetic supplies, 20% coinsurance for prosthetics, and no coinsurance for medical supplies and diabetic shoes.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by Aetna Medicare Signature Extra (HMO) with no coinsurance. There is no copay for lab services, diagnostic procedures, diagnostic radiology, and outpatient X-rays, while therapeutic radiological services require a $60 copay.
Home Health Services See details
Home health services are covered by Aetna Medicare Signature Extra (HMO) with no copay and no coinsurance. Prior authorization is required before you can receive these home health services.
Cardiac Rehabilitation Services See details
Aetna Medicare Signature Extra (HMO) indicates that some services are covered under its Cardiac Rehabilitation Services benefit, but Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and SET for PAD services are not covered in practice. Because these specific services are not covered, there are no copays or coinsurance costs associated with them, though doctor referrals are required for the overall benefit.
Skilled Nursing Facility (SNF) See details
Aetna Medicare Signature Extra (HMO) partially covers Skilled Nursing Facility (SNF) services with prior authorization, featuring no copay and no coinsurance for days 1 through 20, and a $50 copay with no coinsurance for days 21 through 100. Additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other Services are partially covered by Aetna Medicare Signature Extra (HMO), offering acupuncture, annual wellness exams, screening mammographies, and additional gFOBT and FIT screenings with no copay and no coinsurance. However, over-the-counter (OTC) items, meal benefits, and Dual Eligible SNPs are not covered.
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