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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 Cincinnati Dayton OH Metro Area. This plan received an overall rating of 4 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 $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 $4700.00 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-POS) plan features an annual drug deductible of $615. For Tier 1 preferred generic and Tier 2 generic medications, members pay no copay when using preferred pharmacies or preferred mail-order services. Standard pharmacies and standard mail-order options require small copays, starting at $2 for Tier 1 and $12 for Tier 2 for a 1-month supply. Higher-tier medications under this plan are subject to coinsurance rather than flat copays. Tier 3 preferred brand-name drugs carry a 24% coinsurance, while Tier 4 non-preferred drugs and Tier 5 specialty drugs require a 25% coinsurance across all standard and preferred networks.
Additional Benefits
The Aetna Medicare Signature Extra (HMO-POS) plan offers comprehensive medical coverage featuring no copay and no coinsurance for primary care visits, annual physicals, and routine vision and preventive dental exams. For inpatient hospital stays, members pay no coinsurance and a $380 daily copay for the first six days, followed by no copay for days seven through 90. Specialist visits, Medicare-covered dental exams, and outpatient substance abuse sessions generally require a $40 copay with no coinsurance. This plan also features no copays or coinsurance for home health services, routine hearing exams, and up to $200 in annual eyewear. For more advanced needs, diagnostic lab services and outpatient X-rays have no copay, while durable medical equipment and dialysis require coinsurance up to 20% with no copay. Additionally, members can access a quarterly over-the-counter item allowance of up to $45 with no copay or coinsurance.
Inpatient Hospital See details
Aetna Medicare Signature Extra (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a $380 copay per day for days 1 through 6 and no copay for days 7 through 90. This benefit is partially covered, as 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-POS) with no coinsurance, featuring a $0 to $380 copay for outpatient hospital services and a $380 copay per stay for observation services. Ambulatory surgical center services and outpatient blood services are covered with no copay and no coinsurance, while outpatient substance abuse sessions carry a $40 copay.
Partial Hospitalization See details
Aetna Medicare Signature Extra (HMO-POS) covers partial hospitalization services with no coinsurance, although prior authorization is required. Depending on the service, you will pay a copay of either $40.00 or $145.00.
Ambulance and Transportation Services See details
Aetna Medicare Signature Extra (HMO-POS) covers ground ambulance services with a $250 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay, both requiring prior authorization. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Aetna Medicare Signature Extra (HMO-POS) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $50 copay and no coinsurance, while worldwide emergency services are covered up to a $250,000 maximum with no coinsurance and copays ranging from $130 for emergency or urgent care to $250 for emergency transportation.
Primary Care See details
Aetna Medicare Signature Extra (HMO-POS) covers primary care physician services with no copay and no coinsurance, while specialist visits, therapy services, and mental health care generally require a $40 copay and no coinsurance. Chiropractic care is partially covered, offering routine visits for a $10 copay and no coinsurance up to 12 times per year, though other chiropractic services are not covered. Telehealth benefits are also available with a $0 to $50 copay and 20% coinsurance.
Preventive Services See details
Aetna Medicare Signature Extra (HMO-POS) provides partially covered preventive services, offering annual physicals, select screenings, and memory fitness with no copay and no coinsurance, alongside kidney disease education with no copay and 20% coinsurance. Sub-services that are not covered under this plan include in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, weight management programs, alternative therapies, therapeutic massage, adult day health services, nutritional/dietary benefits, home-based palliative care, in-home support services, caregiver support, enhanced disease management, telemonitoring services, home and bathroom safety modifications, and counseling services.
Hearing Services See details
Hearing services are partially covered by Aetna Medicare Signature Extra (HMO-POS), offering routine hearing exams and fitting evaluations once per year with no copay and no coinsurance, while Medicare-covered exams require a $40 copay and no coinsurance. Prescription hearing aids are covered up to $1,000 per ear annually with no copay or coinsurance, but OTC hearing aids and inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
Aetna Medicare Signature Extra (HMO-POS) covers vision services with no deductible and no coinsurance, featuring routine eye exams with no copay and Medicare-covered exams with a copay of up to $40. Covered eyewear, including contacts, lenses, frames, and upgrades, also has no copay up to a combined annual maximum benefit of $200.
Dental Services See details
Aetna Medicare Signature Extra (HMO-POS) offers partially covered dental services, including Medicare-covered dental with a $40 copay and no coinsurance, and preventive care with no copay and no coinsurance. Comprehensive services are covered up to a $1,000 annual limit with no copay and 20% to 50% coinsurance, though fluoride, implants, orthodontics, maxillofacial prosthetics, other diagnostic, and other preventive services are not covered.
Home Infusion bundled Services See details
Aetna Medicare Signature Extra (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Under this benefit, Medicare Part B insulin drugs have a $35 copay and no coinsurance, while Medicare Part B chemotherapy, radiation, and other Part B drugs require no copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the Aetna Medicare Signature Extra (HMO-POS) plan with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Aetna Medicare Signature Extra (HMO-POS) covers durable medical equipment, prosthetics, medical supplies, and diabetic services with no copays and coinsurance ranging from no coinsurance up to 20%. Prior authorization is required for these benefits, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the Aetna Medicare Signature Extra (HMO-POS) plan with prior authorization, offering no copay for lab services and outpatient X-rays. Diagnostic procedures and tests have no coinsurance and a copay ranging from $0 to $100, while therapeutic radiological services require both a copay and a minimum 20% coinsurance.
Home Health Services See details
Aetna Medicare Signature Extra (HMO-POS) 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 by Aetna Medicare Signature Extra (HMO-POS) with no coinsurance, though specific copays apply depending on the service. Members will pay a $20 copay for both cardiac and intensive cardiac rehabilitation, a $15 copay for pulmonary rehabilitation, and a $25 copay for supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD).
Skilled Nursing Facility (SNF) See details
Aetna Medicare Signature Extra (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no preceding three-day hospital stay. There is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, though additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Aetna Medicare Signature Extra (HMO-POS) offers partially covered other services, including over-the-counter (OTC) items, annual wellness exams, screening mammographies, and additional gFOBT and FIT screenings with no copay and no coinsurance. Acupuncture and meal benefits are not covered under this plan, and the OTC benefit is limited to a maximum of $45 every three months.
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