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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 Riverside and San Bernardino 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 $615.00 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 $799.00 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 a $615 annual prescription deductible. Once you meet this deductible, Tier 1 preferred generic drugs have no copay when filled at preferred pharmacies or through preferred mail order, though standard options require a $12 copay. Other tiers require coinsurance during this initial phase, including 24% for Tier 2 standard generics and 25% for Tier 3 preferred brands and Tier 4 non-preferred drugs. After your yearly out-of-pocket drug costs reach $2,100, you enter the catastrophic coverage phase and will pay nothing for Medicare Part D covered drugs. Furthermore, individuals who qualify for the low-income subsidy can see their Part D premium and LIS cost-sharing reduced to $0.
Additional Benefits
The Aetna Medicare Signature Extra (HMO) plan offers robust coverage with no copays for many essential medical services, including primary care, specialist visits, and routine diagnostic tests. For inpatient hospital stays, members pay a daily copay of $150 for the first five days and no copay for days six through 90. Emergency room visits carry a $150 copay, which is waived if you are admitted, while urgently needed care requires no copay. This plan also features supplemental benefits to help manage your health costs, including no copays for routine vision and hearing exams, alongside allowance limits for eyewear and prescription hearing aids. Preventive dental care requires no copay, while comprehensive dental services are covered with a 20% to 50% coinsurance up to a $750 annual limit. Additionally, members can access up to 12 one-way routine transportation trips per year with no copay or coinsurance.
Inpatient Hospital See details
Aetna Medicare Signature Extra (HMO) partially covers inpatient hospital services, requiring prior authorization with a $150 daily copay for days 1 through 5, no copay for days 6 through 90, and no coinsurance. Upgrades, non-Medicare-covered stays, and additional days for psychiatric stays are not covered.
Outpatient Services See details
Aetna Medicare Signature Extra (HMO) covers outpatient services with no coinsurance, including no copay for outpatient hospital, ambulatory surgical center, blood, and substance abuse services. Patients will pay a $150 copay per stay for outpatient observation services, and prior authorization is required for most of these covered benefits.
Partial Hospitalization See details
Partial hospitalization benefits are covered by Aetna Medicare Signature Extra (HMO) subject to prior authorization. This benefit features no coinsurance, with copays ranging from no copay up to $180.
Ambulance and Transportation Services See details
Aetna Medicare Signature Extra (HMO) covers ambulance services with a $275 copay and no coinsurance for ground transport, and a 20% coinsurance and no copay for air transport. Transportation services are partially covered, offering up to 12 one-way trips per year to plan-approved locations with no copay or coinsurance, while trips to any other health-related locations are not covered.
Emergency Services See details
Emergency services are covered by Aetna Medicare Signature Extra (HMO) with a $150 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services have no copay and no coinsurance, while worldwide emergency and urgent services are covered up to a $250,000 maximum with copays ranging from $150 to $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 included services, such as primary care, specialist, and physical therapy visits, require no copay and no coinsurance, while telehealth services require no copay and a 20% coinsurance.
Preventive Services See details
Aetna Medicare Signature Extra (HMO) offers partially covered preventive services with no copay or coinsurance for annual physicals and screenings, while kidney disease education requires a 20% coinsurance and no copay. Several sub-services are not covered, including in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, readmission prevention, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, disease management, telemonitoring, home safety devices, and counseling.
Hearing Services See details
Aetna Medicare Signature Extra (HMO) covers annual routine hearing exams and fitting evaluations with no copay or coinsurance. Prescription hearing aids are partially covered with no copay or coinsurance up to a $1,250 maximum per ear each year, but OTC, inner ear, outer ear, and over the ear hearing aids are not covered.
Vision Services See details
Aetna Medicare Signature Extra (HMO) covers vision services with no copays, no coinsurance, and no deductibles for eye exams and eyewear. This benefit includes one routine eye exam per year, follow-up diabetic eye exams, and eyewear up to a combined maximum benefit of $100 annually.
Dental Services See details
Aetna Medicare Signature Extra (HMO) partially covers dental services, offering preventive care like exams, cleanings, and x-rays with no copay and no coinsurance, while comprehensive services have a 20% to 50% coinsurance, no copay, and a $750 annual limit. Fluoride treatment, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by Aetna Medicare Signature Extra (HMO) with prior authorization required. Covered Medicare Part B insulin drugs require a $35 copay and no coinsurance, while chemotherapy, radiation, and other Part B drugs feature no copay and coinsurance ranging from no coinsurance up 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 for these covered services.
Medical Equipment See details
Medical equipment is covered by Aetna Medicare Signature Extra (HMO), requiring prior authorization for durable medical equipment, prosthetics, and diabetic supplies. These covered benefits feature no copays, with coinsurance ranging from no coinsurance up to 20% depending on the specific equipment or device.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by Aetna Medicare Signature Extra (HMO) with no coinsurance. Members pay no copay for diagnostic procedures, lab services, outpatient X-rays, and diagnostic radiological services, but will pay a $60 copay for therapeutic radiological services.
Home Health Services See details
Aetna Medicare Signature Extra (HMO) covers Home Health Services with no copay and no coinsurance. Prior authorization is required to receive these covered services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under Aetna Medicare Signature Extra (HMO) with a doctor referral, meaning some services are covered, but cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are not covered in practice. Specific copay and coinsurance costs are not listed for these services.
Skilled Nursing Facility (SNF) See details
Aetna Medicare Signature Extra (HMO) partially covers Skilled Nursing Facility (SNF) services, requiring prior authorization and excluding additional days beyond Medicare-covered limits. For covered stays, there is a $20 daily copay for days 1 to 20 and a $195 daily copay for days 21 to 100, with no coinsurance.
Other Services See details
Other Services are partially covered under Aetna Medicare Signature Extra (HMO), as over-the-counter items, meal benefits, and Dual Eligible SNPs are not covered. Covered services, including unlimited acupuncture, annual wellness exams, screening mammographies, and additional gFOBT and FIT, are available with no copay and no coinsurance.
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