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Aetna Medicare Signature (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Aetna Medicare Signature (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 (HMO-POS) in 2026, please refer to our full plan details page.
Aetna Medicare Signature (HMO-POS) is a HMO-POS plan offered by CVS Health Corporation available for enrollment in 2025 to people living in Ashland Area. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that Aetna Medicare Signature (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 (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 (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 $4500.00 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 (HMO-POS) plan features a $500 annual drug deductible. Under this plan, you will pay no copay for Tier 1 (Preferred Generic) and Tier 2 (Generic) medications when using a preferred retail pharmacy or preferred mail-order service. If you choose standard retail or standard mail-order pharmacies, Tier 1 drugs start at a $2 copay and Tier 2 drugs start at a $12 copay for a one-month supply. For higher-tier medications, the plan transitions to coinsurance rather than set copays. You will pay 22% coinsurance for Tier 3 (Preferred Brand) drugs and 25% coinsurance for Tier 4 (Non-Preferred) drugs, regardless of the pharmacy type or supply length. Tier 5 (Specialty) drugs require a 27% coinsurance and are limited to a one-month supply.
Additional Benefits
The Aetna Medicare Signature (HMO-POS) plan offers comprehensive medical coverage with no copay and no coinsurance for primary care visits, home health services, and most preventive care. Specialist visits and urgent care require a $40 and $50 copay respectively, while emergency room visits carry a $130 copay with no coinsurance. For hospital stays, inpatient care features a $280 daily copay for the first five days and no copay for days 6 through 90, while outpatient services range from no copay up to a $280 copay. Vision, hearing, and dental benefits are highly covered, featuring no copay for routine exams and preventive dental care. The plan also provides generous allowances, including up to $275 annually for eyewear, up to $1,250 per ear for hearing aids, and a $115 quarterly over-the-counter allowance with no copay. Skilled nursing facility care is also available with no copay for the first 20 days, followed by a $218 daily copay up to day 100.
Inpatient Hospital See details
Aetna Medicare Signature (HMO-POS) covers inpatient acute and psychiatric hospital stays with no coinsurance, featuring a $280 daily copay for days 1 through 5 and no copay for days 6 through 90. This benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Aetna Medicare Signature (HMO-POS) covers outpatient services with no coinsurance, including ambulatory surgical center and blood services with no copay. Outpatient hospital services require a copay of $0 to $280, observation services carry a $280 copay per stay, and outpatient substance abuse sessions have a $40 copay.
Partial Hospitalization See details
Partial hospitalization benefits are covered by the Aetna Medicare Signature (HMO-POS) plan with a copay of either $40.00 or $145.00 and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
Aetna Medicare Signature (HMO-POS) provides partial coverage for ambulance and transportation services, requiring prior authorization for all ambulance transfers. Ground ambulance services require a $250 copay and no coinsurance, air ambulance services require a 20% coinsurance and no copay, and transportation services to health-related locations are not covered.
Emergency Services See details
Aetna Medicare Signature (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 have a $50 copay and no coinsurance, while worldwide emergency services are covered up to a $250,000 lifetime maximum with no coinsurance and copays ranging from $130 to $250 depending on the service.
Primary Care See details
Aetna Medicare Signature (HMO-POS) covers primary care physician services with no copay and no coinsurance, while specialist, mental health, and therapy visits require a $40 copay and no coinsurance. Chiropractic services are partially covered, with routine care requiring a $15 copay and no coinsurance while other chiropractic services are not covered, and telehealth benefits are available with a $0 to $50 copay and 20% coinsurance.
Preventive Services See details
Preventive services are partially covered by Aetna Medicare Signature (HMO-POS), with most services, such as annual physical exams and fitness benefits, featuring no copay and no coinsurance. Kidney disease education is covered with no copay and a 20% coinsurance, while several supplemental services, including medical nutrition therapy, weight management, and personal emergency response systems, are not covered.
Hearing Services See details
Aetna Medicare Signature (HMO-POS) covers routine hearing exams and fitting evaluations with no copay or coinsurance, while Medicare-covered exams require a $40 copay and no coinsurance. Prescription hearing aids are partially covered with no copay or coinsurance up to $1,250 per ear annually, though inner ear, outer ear, over the ear, and over-the-counter (OTC) hearing aids are not covered.
Vision Services See details
Vision services are covered under the Aetna Medicare Signature (HMO-POS) plan with no coinsurance and no deductible, offering eye exams for a $0 to $40 copay and eyewear with no copay. Covered eyewear benefits, including contacts and eyeglasses, are subject to a combined maximum plan benefit of $275 every year.
Dental Services See details
Dental services under the Aetna Medicare Signature (HMO-POS) plan are partially covered, featuring no copay and no coinsurance for preventive care like cleanings and exams, and a $40 copay with no coinsurance for Medicare-covered dental. Comprehensive dental benefits have no copay and 20% to 50% coinsurance up to a $1,250 annual limit, while fluoride, implants, orthodontics, maxillofacial prosthetics, and other diagnostic or preventive services are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by Aetna Medicare Signature (HMO-POS) with no copay, though prior authorization and step therapy may apply. Under this benefit, Medicare Part B insulin has a $35 copay and no coinsurance, while chemotherapy, radiation, and other Part B drugs require no copay and a coinsurance between 0% and 20%.
Dialysis Services See details
Aetna Medicare Signature (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Aetna Medicare Signature (HMO-POS) covers medical equipment, including durable medical equipment (DME) and diabetic supplies, with no copay and coinsurance ranging from no coinsurance to 20%. Prosthetic devices are covered with no copay and a 20% coinsurance, while diabetic therapeutic shoes and inserts are available with no copay.
Diagnostic and Radiological Services See details
Aetna Medicare Signature (HMO-POS) covers diagnostic services with no coinsurance, offering lab services at no copay and diagnostic procedures with a $0 to $100 copay. Covered radiological services require no copay for diagnostic radiology, a $10 copay for outpatient X-rays, and a 20% coinsurance for therapeutic radiology, with prior authorization required for all services.
Home Health Services See details
The Aetna Medicare Signature (HMO-POS) plan covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the Aetna Medicare Signature (HMO-POS) plan with no coinsurance, but in practice only some services are covered. Specific programs, including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation, are not covered and carry copays ranging from $15 to $25.
Skilled Nursing Facility (SNF) See details
Aetna Medicare Signature (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but allowing admission without a prior three-day hospital stay. There is no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100, though additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Aetna Medicare Signature (HMO-POS) partially covers other services, offering select benefits such as annual wellness exams, additional cancer screenings, and an OTC allowance of up to $115 every three months with no copay and no coinsurance. Acupuncture and meal benefits are not covered.
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