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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 Kern County. 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 $2000.00 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 prescription drug benefit with an annual deductible of $615.00. Under this plan, you will enjoy no copay for Tier 1 preferred generic drugs when using a preferred pharmacy or preferred mail order. If you qualify for the Low-Income Subsidy, your Part D premium can be reduced to zero. For other prescriptions, you will pay a 24% coinsurance for Tier 2 standard generics and a 25% coinsurance for Tier 3 preferred brands and Tier 4 non-preferred drugs. After your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and pay nothing for covered Part D drugs.
Additional Benefits
The Aetna Medicare Signature Extra (HMO) plan offers robust coverage for essential medical services, often with no copay or coinsurance. Members enjoy no copay for primary care and specialist visits, as well as home health services and routine preventive care. For hospital stays, there is a $250 daily copay for the first five days of inpatient care, while outpatient services feature no coinsurance and low to no copays. This plan also includes valuable dental, vision, and hearing benefits to help reduce your out-of-pocket costs. Routine vision and hearing exams are covered with no copay, and preventive dental care like cleanings and oral exams also features no copay. Additionally, skilled nursing facility stays require no copay for the first 20 days, making this plan a comprehensive option for managing your healthcare expenses.
Inpatient Hospital See details
Aetna Medicare Signature Extra (HMO) partially covers inpatient hospital benefits with a $250 copay per day for days 1 to 5, no copay for days 6 to 90, and no coinsurance for both acute and psychiatric stays. Prior authorization is required, and upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient Services covered by Aetna Medicare Signature Extra (HMO) feature no coinsurance, with copays ranging from $0 to $150 for outpatient hospital services and a $250 copay per stay for observation services. There is no copay for ambulatory surgical center services, outpatient substance abuse sessions, or outpatient blood services.
Partial Hospitalization See details
Aetna Medicare Signature Extra (HMO) covers partial hospitalization benefits with copays ranging from no copay to $180, and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
Aetna Medicare Signature Extra (HMO) partially covers ambulance and transportation services, as transportation to plan-approved or any health-related locations is not covered. Ground ambulance services require a $275 copay and no coinsurance, while air ambulance services require no copay and a 20% coinsurance.
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 require no copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered up to a $250,000 maximum limit with no coinsurance and copays ranging from $150 to $275.
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 and specialist visits, require no copay and no coinsurance, while telehealth benefits feature no copay and a 20% coinsurance.
Preventive Services See details
Preventive services are partially covered by Aetna Medicare Signature Extra (HMO), featuring no copay and no coinsurance for annual physicals, health education, memory fitness, remote access technologies, wigs, smoking cessation, glaucoma screenings, diabetes self-management, digital rectal exams, and EKGs. Kidney disease education is covered with a 20% coinsurance and no copay, while services such as in-home safety assessments, PERS, 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 modifications, and counseling are not covered.
Hearing Services See details
Aetna Medicare Signature Extra (HMO) partially covers hearing services, providing routine hearing exams, fittings, and certain prescription hearing aids with no copay and no coinsurance, up to a maximum benefit of $500 per ear annually. However, OTC hearing aids, as well as inner ear, outer ear, and over the ear prescription hearing aids, are not covered.
Vision Services See details
Vision services are covered by Aetna Medicare Signature Extra (HMO) with no copay and no coinsurance, including one routine eye exam per year and unlimited diabetic eye exams. Covered eyewear, including contact lenses, eyeglasses, and upgrades, also features no copay or coinsurance up to a combined maximum benefit of $100 annually.
Dental Services See details
Aetna Medicare Signature Extra (HMO) partially covers dental services, offering no copay for Medicare-covered dental care, oral exams, x-rays, and cleanings. Restorative, endodontic, periodontic, prosthodontic, and oral surgery services require a 20% to 50% coinsurance up to a $750 annual maximum, while fluoride treatment, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered under Aetna Medicare Signature Extra (HMO) and require prior authorization. Covered Medicare Part B chemotherapy, radiation, and other Part B drugs have no coinsurance to 20% coinsurance, while Medicare Part B insulin drugs require a $35 copay and no coinsurance.
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 benefits are covered by Aetna Medicare Signature Extra (HMO), though prior authorization is required for most services. Durable medical equipment and diabetic supplies carry up to 20% coinsurance with no copay, prosthetic devices require 20% coinsurance with no copay, and medical supplies and diabetic shoes or inserts are covered with no copay and no coinsurance.
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 diagnostic procedures, lab services, and outpatient X-rays, while diagnostic radiological services range from no copay to $60 and 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, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are offered by the Aetna Medicare Signature Extra (HMO) plan, and while some services are covered, Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services are not covered. Because these specific services are not covered in practice, there is no copay and no coinsurance.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) benefits are partially covered by Aetna Medicare Signature Extra (HMO), requiring prior authorization but no prior three-day hospital stay. There is no copay or coinsurance for days 1 through 20, and a $100 daily copay with no coinsurance for days 21 through 100, though 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 mammography, and additional gFOBT and FIT tests with no copay and no coinsurance. Over-the-counter (OTC) items, meal benefits, and Dual Eligible SNPs with highly integrated services are not covered.
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