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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 Iowa. This plan received an overall rating of 4.5 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 $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 $4300.00 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) prescription drug plan features an annual drug deductible of $615. For Tier 1 preferred generic and Tier 2 generic medications, 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 copays start at $2 and Tier 2 copays start at $12 for a one-month supply. Higher-tier medications under this plan are subject to coinsurance rather than flat copays. You will pay a 24% coinsurance for Tier 3 preferred brand drugs across all pharmacy and mail order options. For Tier 4 non-preferred drugs and Tier 5 specialty drugs, the cost sharing is a 25% coinsurance.
Additional Benefits
The Aetna Medicare Signature (HMO-POS) plan offers robust medical coverage with no copay for primary care doctor visits and a $35 copay for specialists. Hospital care is structured with daily copays for the first few days of inpatient stays, while outpatient services range from no copay up to $390. Emergency room visits carry a $130 copay, which is waived upon admission, and urgent care is available for a $50 copay. For routine wellness, the plan provides annual physicals, fitness benefits, and routine hearing and vision exams with no copay. It also includes preventive and comprehensive dental care with no copay up to a $900 annual limit, alongside a $150 eyewear allowance and up to $1,250 per ear for hearing aids. Home health services are also fully covered with no copay.
Inpatient Hospital See details
Inpatient hospital care is covered by Aetna Medicare Signature (HMO-POS) with no coinsurance, requiring a $390 daily copay for days 1 to 6 of acute stays and a $370 daily copay for days 1 to 5 of psychiatric stays, with no copay for subsequent days. Prior authorization is required, and non-Medicare-covered stays and upgrades are not covered.
Outpatient Services See details
Aetna Medicare Signature (HMO-POS) covers outpatient hospital services with no coinsurance and copays ranging from $0 to $390, alongside observation services at a $390 copay per stay. Ambulatory surgical center and blood services are covered with no copay and no coinsurance, while outpatient substance abuse sessions require a $40 copay with no coinsurance.
Partial Hospitalization See details
Aetna Medicare Signature (HMO-POS) covers partial hospitalization services with a copay of either $55.00 or $145.00 and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
Aetna Medicare Signature (HMO-POS) covers ground ambulance services with a $345 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay, both of which require prior authorization. Transportation services are not covered under this plan.
Emergency Services See details
Emergency services are covered by Aetna Medicare Signature (HMO-POS) 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, urgent, and transportation services are covered up to a $250,000 maximum with no coinsurance and copays ranging from $130 to $345.
Primary Care See details
Aetna Medicare Signature (HMO-POS) covers primary care physician services with no copay and no coinsurance, while specialist visits, physical therapy, and occupational therapy require a $35 copay with no coinsurance. Mental health, psychiatric, and opioid treatment services are covered with a $40 copay and no coinsurance, but chiropractic and podiatry services are not covered. Telehealth services are also 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), offering annual physical exams, health education, and fitness benefits with no copay and no coinsurance, though kidney disease education requires no copay and 20% coinsurance. The plan does not cover several sub-services, including in-home safety assessments, personal emergency response systems, medical nutrition therapy, weight management, alternative therapies, therapeutic massage, adult day health, home-based palliative care, in-home support, caregiver support, and counseling.
Hearing Services See details
Hearing services are covered by Aetna Medicare Signature (HMO-POS) with no copays and no coinsurance for routine exams and fitting evaluations. Prescription hearing aids are partially covered with no copay or coinsurance up to $1,250 per ear annually, but inner ear, outer ear, over the ear, and OTC hearing aids are not covered.
Vision Services See details
Vision services are covered by Aetna Medicare Signature (HMO-POS) with no copays, no coinsurance, and no deductibles for eye exams and eyewear. The plan covers one routine eye exam per year up to a $50 maximum, alongside a $150 annual maximum allowance for contact lenses, eyeglasses, frames, lenses, and upgrades.
Dental Services See details
Aetna Medicare Signature (HMO-POS) dental services are partially covered, offering preventive and comprehensive dental care with no copay and no coinsurance up to a $900 annual maximum. Medicare-covered dental services require a $35 copay and no coinsurance, but orthodontics, implant services, and maxillofacial prosthetics are not covered.
Home Infusion bundled Services See details
Aetna Medicare Signature (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Under this benefit, Medicare Part B chemotherapy and other Part B drugs have no copay and a 0% to 20% coinsurance, while Medicare Part B insulin is covered with a $35 copay and no coinsurance.
Dialysis Services See details
Dialysis Services are covered under the Aetna Medicare Signature (HMO-POS) plan with no copay and a 20% coinsurance. Prior authorization is required to receive these services.
Medical Equipment See details
Aetna Medicare Signature (HMO-POS) covers medical equipment, including durable medical equipment, prosthetics, and diabetic supplies, with no copay and prior authorization required. Coinsurance for these covered items ranges from 0% to 20% depending on the specific service or device.
Diagnostic and Radiological Services See details
Aetna Medicare Signature (HMO-POS) covers diagnostic and radiological services, with prior authorization required for care. Diagnostic tests require a $0 to $20 copay and lab services have no copay, both with no coinsurance, while radiological services range from no copay for diagnostic imaging to a $15 copay for X-rays and a 20% coinsurance for therapeutic treatments.
Home Health Services See details
Aetna Medicare Signature (HMO-POS) covers home health services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are offered with no coinsurance under Aetna Medicare Signature (HMO-POS), meaning some services are covered, but standard cardiac rehabilitation (with a $20 copay), intensive cardiac rehabilitation (with a $20 copay), pulmonary rehabilitation (with a $15 copay), and supervised exercise therapy for PAD (with a $25 copay) are not covered.
Skilled Nursing Facility (SNF) See details
Aetna Medicare Signature (HMO-POS) covers skilled nursing facility (SNF) services with no coinsurance, requiring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, a prior three-day inpatient hospital stay is not required, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Aetna Medicare Signature (HMO-POS) partially covers other services, providing an annual wellness exam, screening mammography, and additional gFOBT and FIT with no copay and no coinsurance. Acupuncture, over-the-counter (OTC) items, and meal benefits are not covered under this plan.
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