A non-government entity
Aetna Medicare Select Extra (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Aetna Medicare Select 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 Select Extra (HMO-POS) in 2026, please refer to our full plan details page.
Aetna Medicare Select Extra (HMO-POS) is a HMO-POS plan offered by CVS Health Corporation available for enrollment in 2025 to people living in North, Central, West, SW, Treasure Coast, South FL. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that Aetna Medicare Select 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 Select 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 Select 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 combined Maximum Out-Of-Pocket cost of $10100.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $10100.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
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:
Sign up for Aetna Medicare Select Extra (HMO-POS)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
The Aetna Medicare Select Extra (HMO-POS) plan features an annual prescription drug deductible of $615. For Tier 1 preferred generics and Tier 2 generics, members pay no copay when using a preferred pharmacy or preferred mail-order service. If you use standard retail pharmacies or standard mail-order services, Tier 1 drug copays range from $2 to $6, and Tier 2 drug copays range from $12 to $36 depending on the supply fill. For brand-name and specialty medications, costs are structured as coinsurance. Tier 3 preferred brand drugs require a 24% coinsurance across all pharmacy and mail-order options. Tier 4 non-preferred drugs and Tier 5 specialty drugs both require a 25% coinsurance, with specialty drugs limited to a one-month supply.
Additional Benefits
The Aetna Medicare Select Extra (HMO-POS) plan offers comprehensive medical coverage featuring no copay for primary care visits and low copays ranging from $0 to $30 for specialists. Inpatient hospital stays require a $375 daily copay for the first five days and no copay for days six through 90, while emergency room visits carry a $130 copay that is waived if you are admitted. Outpatient services and diagnostic lab tests are also highly affordable, with many services requiring no copay or low flat copayments and no coinsurance. This plan also includes valuable supplemental benefits such as routine dental, vision, and hearing care with no copayments, including up to $1,000 annually for dental services and hearing aids. Additionally, members benefit from no copay for home health services and the first 20 days of skilled nursing facility care, alongside a $35 quarterly over-the-counter medication allowance. Prescription drug and medical equipment costs are kept low with coinsurance rates capped at 20% and no copays for many supplies.
Inpatient Hospital See details
Aetna Medicare Select Extra (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a $375 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, while unlimited additional acute care days are covered with no copay.
Outpatient Services See details
Aetna Medicare Select Extra (HMO-POS) covers outpatient services with no coinsurance, including ambulatory surgical center and blood services with no copays, and outpatient hospital services with a $0 to $350 copay. Observation services require a $375 copay per stay, while outpatient substance abuse services carry no coinsurance and a copay of $30 for group sessions or $35 for individual sessions.
Partial Hospitalization See details
Partial hospitalization is covered under Aetna Medicare Select Extra (HMO-POS) with a copay of either $55.00 or $145.00 and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered under the Aetna Medicare Select Extra (HMO-POS) plan, featuring a $250 copay for ground ambulance services and a 20% coinsurance for air ambulance services, with prior authorization required and no fees waived upon hospital admission. While some transportation services are covered, trips to plan-approved health-related locations and any health-related locations are not covered.
Emergency Services See details
Aetna Medicare Select Extra (HMO-POS) covers emergency services with a $130 copay (waived if admitted to the hospital within 24 hours) and no coinsurance, and urgent care with a $30 copay and no coinsurance. Worldwide emergency and urgent services are also covered up to a $250,000 lifetime maximum with no coinsurance, requiring a $130 copay for emergency or urgent care and a $250 copay for emergency transportation.
Primary Care See details
Aetna Medicare Select Extra (HMO-POS) offers primary care physician services with no copay and no coinsurance, and specialist visits with a $0 to $30 copay and no coinsurance. Physical, occupational, speech, mental health, and psychiatric therapies are covered with copays ranging from $30 to $35 and no coinsurance, while chiropractic and podiatry services are not covered. Telehealth options are also available with a $0 to $35 copay and 20% coinsurance.
Preventive Services See details
Preventive Services are partially covered by Aetna Medicare Select Extra (HMO-POS), featuring no copay and no coinsurance for annual physical exams, glaucoma screenings, diabetes self-management, and health education. Kidney disease education is covered with no copay and a 20% coinsurance. Uncovered sub-services include in-home safety assessments, PERS, medical nutrition therapy, medication reconciliation, weight management, alternative therapies, adult day health, nutritional benefits, palliative care, caregiver support, telemonitoring, home safety modifications, and counseling.
Hearing Services See details
Aetna Medicare Select Extra (HMO-POS) covers hearing services, including Medicare-covered exams for a $30 copay and no coinsurance, and annual routine exams and fitting evaluations with no copay or coinsurance. Prescription hearing aids are covered with no copay or coinsurance up to a $1,000 annual limit per ear, though OTC hearing aids and inner, outer, or over-the-ear prescription styles are not covered.
Vision Services See details
Vision services are partially covered by Aetna Medicare Select Extra (HMO-POS) with no copay and no coinsurance, excluding individual eyeglass lenses and eyeglass frames. Covered benefits include one routine eye exam per year, follow-up diabetic eye exams, and up to $100 annually for contact lenses and complete eyeglasses (lenses and frames).
Dental Services See details
Dental services are partially covered by Aetna Medicare Select Extra (HMO-POS), with Medicare-covered dental services requiring a $30 copay and no coinsurance, and other covered services having no copay and no coinsurance up to a $1,000 annual limit. While preventive and comprehensive services like cleanings, exams, and restorative care are covered, fluoride treatments, implant services, maxillofacial prosthetics, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by Aetna Medicare Select Extra (HMO-POS) with no copay, though prior authorization is required. Under this benefit, Medicare Part B insulin is covered with a $35 copay and no coinsurance, while Part B chemotherapy and other Part B drugs require a coinsurance of 0% to 20%.
Dialysis Services See details
Dialysis Services are covered under the Aetna Medicare Select Extra (HMO-POS) plan with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
Aetna Medicare Select Extra (HMO-POS) covers medical equipment, including durable medical equipment, prosthetics, and diabetic supplies, with no copays and coinsurance ranging from no coinsurance to 20%. Prior authorization is required for these services, which also feature diabetic therapeutic shoes and inserts covered with no copay.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under Aetna Medicare Select Extra (HMO-POS), with prior authorization required. Diagnostic services feature no coinsurance, offering lab services with no copay and diagnostic procedures with a copay up to $200, while radiological services range from a $10 copay for X-rays and no copay for diagnostic radiology to a minimum 20% coinsurance for therapeutic radiology.
Home Health Services See details
Home Health Services are covered under the Aetna Medicare Select Extra (HMO-POS) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Aetna Medicare Select Extra (HMO-POS) provides coverage for some cardiac rehabilitation services with no copay and no coinsurance, though specific sub-services including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation are not covered.
Skilled Nursing Facility (SNF) See details
Aetna Medicare Select Extra (HMO-POS) covers skilled nursing facility (SNF) services with no coinsurance and no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100. Prior authorization is required, though a prior three-day inpatient hospital stay is not, and additional days beyond the standard 100-day benefit period are not covered.
Other Services See details
Other services are partially covered by Aetna Medicare Select Extra (HMO-POS), which provides an annual wellness exam, screening mammography, additional gFOBT and FIT, and a $35 quarterly over-the-counter reimbursement benefit with no copay and no coinsurance. Acupuncture and meal benefits are not covered.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved