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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 Bowling Green and Southwest Kentucky 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 $500.00 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 $4900.00 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 $500. For Tier 1 preferred generic and Tier 2 generic drugs, you will pay no copay when using a preferred pharmacy or preferred mail-order service. If you choose a standard pharmacy or standard mail order, Tier 1 drugs require a copay starting at $2 and Tier 2 drugs start at $12 for a one-month supply. For higher-tier medications, costs are structured as coinsurance across all pharmacy types. Tier 3 preferred brand drugs carry a 22% coinsurance, while Tier 4 non-preferred drugs require a 25% coinsurance. Specialty drugs in Tier 5 are covered with a 27% coinsurance for a one-month supply.
Additional Benefits
The Aetna Medicare Signature Extra (HMO-POS) plan offers comprehensive medical coverage featuring no copay for primary care visits, annual physicals, and home health services. For inpatient hospital stays, members pay no coinsurance and a $285 daily copay for the first seven days, followed by no copay for days 8 through 90. Outpatient hospital services require no coinsurance and a copay ranging from no copay to $285, while emergency room visits carry a $130 copay that is waived if admitted. This plan also includes robust auxiliary benefits, offering routine vision and hearing exams with no copay or coinsurance, alongside a $175 annual eyewear allowance and up to $1,250 per ear for prescription hearing aids. Preventive dental care features no copay, while comprehensive dental services are covered with no copay and a 20% to 50% coinsurance up to a $1,000 yearly limit. Additionally, members benefit from a $50 quarterly over-the-counter item allowance and no copay for diagnostic lab services and outpatient X-rays.
Inpatient Hospital See details
Aetna Medicare Signature Extra (HMO-POS) covers inpatient acute and psychiatric hospital care with no coinsurance, requiring a $285 daily copay for days 1 through 7 and no copay for days 8 through 90. Prior authorization is required, and while additional acute days are unlimited with no copay, additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Aetna Medicare Signature Extra (HMO-POS) covers outpatient services with no coinsurance, featuring a $0 to $285 copay for outpatient hospital services and a $285 copay per stay for observation services. Ambulatory surgical center and outpatient blood services require no copay and no coinsurance, while outpatient substance abuse sessions carry a $40 copay and no coinsurance.
Partial Hospitalization See details
Aetna Medicare Signature Extra (HMO-POS) covers partial hospitalization services with a copay of either $40.00 or $145.00 and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
Aetna Medicare Signature Extra (HMO-POS) covers ground ambulance services with a $260 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay, both requiring prior authorization. For transportation benefits, some services are covered but transportation to plan-approved health-related locations and any health-related locations are not covered.
Emergency Services See details
Aetna Medicare Signature Extra (HMO-POS) covers emergency services with a $130 copay (waived if admitted to the hospital within 24 hours) and urgently needed services with a $50 copay, with no coinsurance for either service. Worldwide emergency, urgent, and transportation services are also covered with no coinsurance and copays ranging from $130 to $260, up to a $250,000 maximum plan benefit.
Primary Care See details
Aetna Medicare Signature Extra (HMO-POS) covers primary care physician services with no copay and no coinsurance, and specialist visits, physical therapy, and mental health services with a $40 copay and no coinsurance. Chiropractic care is partially covered, offering routine visits for a $15 copay and no coinsurance while excluding other chiropractic services. Additional telehealth benefits are also available with a copay ranging from $0 to $50 and 20% coinsurance.
Preventive Services See details
Preventive services under the Aetna Medicare Signature Extra (HMO-POS) are partially covered, featuring no copay and no coinsurance for annual physicals, diabetes training, and select supplemental benefits like fitness programs and health education. Kidney disease education is covered with no copay but carries a 20% coinsurance, while several supplemental services such as in-home safety assessments, weight management, and personal emergency response systems are not covered.
Hearing Services See details
Hearing services are partially covered by Aetna Medicare Signature Extra (HMO-POS), featuring Medicare-covered exams for a $40 copay and no coinsurance, alongside annual routine exams and fitting evaluations with no copay or coinsurance. Up to two prescription hearing aids are covered every year with no copay or coinsurance up to a $1,250 maximum per ear, though OTC hearing aids and inner ear, outer ear, or over the ear prescription hearing aids are not covered.
Vision Services See details
Vision Services are covered under Aetna Medicare Signature Extra (HMO-POS) with no deductibles and no coinsurance, featuring routine eye exams and follow-up diabetic eye exams with no copay, and Medicare-covered exams with a copay ranging from $0 to $40. Eyewear, including contact lenses, lenses, and frames, is also available with no copay and no coinsurance, up to a combined maximum benefit of $175 every year.
Dental Services See details
Dental services are partially covered by Aetna Medicare Signature Extra (HMO-POS), featuring no copay or coinsurance for preventive care like exams and cleanings, and a $40 copay with no coinsurance for Medicare-covered dental. Comprehensive care is subject to no copay and 20% to 50% coinsurance up to a $1,000 annual limit, while fluoride, other diagnostic or preventive dental, implants, maxillofacial prosthetics, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by Aetna Medicare Signature Extra (HMO-POS) with no copay, while associated Medicare Part B chemotherapy, radiation, and other drugs require 0% to 20% coinsurance and no copay. Medicare Part B insulin is also covered under this benefit with a $35 copay and no coinsurance.
Dialysis Services See details
Dialysis Services are covered by the Aetna Medicare Signature Extra (HMO-POS) plan with no copay and a 20% coinsurance. Prior authorization is required to obtain coverage for these services.
Medical Equipment See details
Aetna Medicare Signature Extra (HMO-POS) covers medical equipment, including durable medical equipment, prosthetics, and diabetic supplies, with no copay and coinsurance ranging from no coinsurance to 20%. Prior authorization is required for these services, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by Aetna Medicare Signature Extra (HMO-POS), offering diagnostic services with no coinsurance, no copay for lab services, and a $0 to $100 copay for diagnostic procedures. Radiological services require prior authorization and feature no copay for outpatient X-rays, a $0 minimum copay for diagnostic radiology, and a minimum 20% coinsurance for therapeutic radiology.
Home Health Services See details
Home Health Services are covered under the Aetna Medicare Signature Extra (HMO-POS) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by Aetna Medicare Signature Extra (HMO-POS) with no coinsurance, though only some services are covered in practice. Standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are not covered and require copays of $20, $20, $15, and $25 respectively.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by Aetna Medicare Signature Extra (HMO-POS) with no coinsurance, featuring no copay for days 1 to 20 and a $218 copay for days 21 to 100. Prior authorization is required, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Aetna Medicare Signature Extra (HMO-POS) partially covers other services with no copay and no coinsurance, including an annual wellness exam, select screenings, and a $50 quarterly over-the-counter item allowance. However, acupuncture and meal benefits are not covered under this plan.
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