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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 2026 to people living in IL Northern. The overall rating for this plan is not yet available for 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 $5900.00 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 generics and Tier 2 generics, 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 option, copays start at $2 for Tier 1 and $12 for Tier 2 for a one-month supply. For brand-name and specialty medications, costs are structured as coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 24% coinsurance, while Tier 4 non-preferred drugs and Tier 5 specialty drugs require 25% coinsurance. These coinsurance rates apply across all preferred and standard pharmacy and mail-order options, with specialty drugs limited to a one-month supply.
Additional Benefits
The Aetna Medicare Signature Extra (HMO-POS) plan offers robust medical coverage with no copay or coinsurance for primary care doctor visits, routine vision exams, and preventive dental care. For specialized care, beneficiaries can expect affordable copays, such as up to $40 for specialist visits and no copay for home health services. Hospital stays and emergency care are covered primarily through set copayments, including a $130 copay for emergency room visits and daily copays for inpatient hospital stays. This plan also features valuable dental, vision, and hearing benefits, including no copays for routine annual exams alongside allowances for eyewear and hearing aids. While comprehensive dental services are covered with coinsurance up to a $2,000 annual limit, some supplemental benefits like routine transportation, over-the-counter items, and acupuncture are not covered. Diagnostic tests and durable medical equipment are also accessible, typically requiring coinsurance up to 20% or low copays depending on the service.
Inpatient Hospital See details
Aetna Medicare Signature Extra (HMO-POS) partially covers inpatient hospital services with no coinsurance, requiring a $350 daily copay for days 1 to 8 of acute stays and a $325 daily copay for days 1 to 7 of psychiatric stays. Prior authorization is required, and upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Aetna Medicare Signature Extra (HMO-POS) covers outpatient services with no coinsurance, featuring a copay ranging from no copay to $350 for outpatient hospital services and $350 per stay for observation services. Ambulatory surgical center and outpatient blood services have no copay and no coinsurance, while outpatient substance abuse services require 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 $85.00 or $145.00 and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
Ambulance and Transportation Services under the Aetna Medicare Signature Extra (HMO-POS) plan cover ground ambulance services with a $285 copay and air ambulance services with a 20% coinsurance, requiring prior authorization. Routine transportation services to plan-approved or other health-related locations are not covered under this plan.
Emergency Services See details
Emergency services under Aetna Medicare Signature Extra (HMO-POS) are covered with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed care is available for a $40 copay and no coinsurance, while worldwide emergency and urgent services are covered up to a $250,000 maximum with a $130 copay (no coinsurance) and a $285 copay (no coinsurance) for worldwide emergency transportation.
Primary Care See details
Primary care benefits are partially covered under Aetna Medicare Signature Extra (HMO-POS), as chiropractic and podiatry services are not covered. Covered primary care physician visits require no copay and no coinsurance, while specialists, therapies, and mental health services have copays up to $40 with no coinsurance, and telehealth services carry a 20% coinsurance with copays up to $40.
Preventive Services See details
Preventive Services offered by Aetna Medicare Signature Extra (HMO-POS) are largely covered with no copay and no coinsurance, including annual physical exams, fitness benefits, and glaucoma screenings. Some additional services are only partially covered, excluding items like weight management, in-home safety assessments, and nutritional therapy, while kidney disease education is covered with no copay and a 20% coinsurance.
Hearing Services See details
Aetna Medicare Signature Extra (HMO-POS) covers hearing services with no coinsurance, featuring a $40 copay for Medicare-covered exams and no copay for annual routine exams and fittings. Prescription hearing aids are partially covered with no copay or coinsurance up to $500 per ear annually, though OTC, inner ear, outer ear, and over the ear hearing aids are not covered.
Vision Services See details
Aetna Medicare Signature Extra (HMO-POS) covers vision services with no coinsurance and no deductibles. Eye exams have a copay of up to $40, with no copay for routine annual and diabetic exams, while covered eyewear has no copay up to a $200 annual maximum.
Dental Services See details
Dental services are partially covered by Aetna Medicare Signature Extra (HMO-POS), featuring preventive care like cleanings and exams with no copay and no coinsurance, and medicare-covered dental with a $40 copay and no coinsurance. Comprehensive options like restorative care, endodontics, periodontics, prosthodontics, and oral surgery are covered with no copay and 20% to 50% coinsurance up to a $2,000 annual limit. Fluoride, other diagnostic or preventive services, 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, though prior authorization is required. Covered Medicare Part B insulin drugs have a $35 copay and no coinsurance, while chemotherapy, radiation, and other Part B drugs have no copay and 0% to 20% coinsurance.
Dialysis Services See details
The Aetna Medicare Signature Extra (HMO-POS) plan covers Dialysis Services with no copay and a 20% coinsurance. Prior authorization is required for these covered services.
Medical Equipment See details
Aetna Medicare Signature Extra (HMO-POS) covers durable medical equipment, prosthetics, and diabetic supplies with no copays and coinsurance ranging from no coinsurance 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 by Aetna Medicare Signature Extra (HMO-POS) with prior authorization required. Diagnostic services have no coinsurance, offering lab services with no copay and diagnostic procedures with a $0 to $95 copay, while radiological services require a $20 copay plus coinsurance for x-rays, no copay for diagnostic radiology, and a copay with a minimum 20% coinsurance for therapeutic radiology.
Home Health Services See details
The Aetna Medicare Signature Extra (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 partially covered under the Aetna Medicare Signature Extra (HMO-POS) plan with no coinsurance. While some services are covered, standard cardiac rehabilitation ($20 copay), intensive cardiac rehabilitation ($20 copay), pulmonary rehabilitation ($15 copay), and supervised exercise therapy for peripheral artery disease ($25 copay) are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by Aetna Medicare Signature Extra (HMO-POS) with no coinsurance, requiring a daily copay of $10 for days 1 through 20 and $218 for days 21 through 100. Prior authorization is required, a prior three-day inpatient hospital stay is not required for admission, and additional days beyond the standard 100-day benefit period are not covered.
Other Services See details
Aetna Medicare Signature Extra (HMO-POS) partially covers other services, offering an annual wellness exam, screening mammography, and additional gFOBT and FIT with no copay and no coinsurance. Supplemental benefits such as acupuncture, over-the-counter (OTC) items, and meal benefits are not covered.
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