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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 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 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 $5000.00 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 generic and Tier 2 generic medications, you will pay no copay when using preferred pharmacies or preferred mail-order services. If you choose standard pharmacies or standard mail-order options, copays start at $2 for Tier 1 and $12 for Tier 2 for a one-month supply. For brand-name and specialty medications, the plan transitions to coinsurance costs instead of flat copays. Tier 3 preferred brand drugs require a 24% coinsurance, while Tier 4 non-preferred drugs and Tier 5 specialty drugs require a 25% coinsurance across all pharmacy types. These coinsurance rates apply whether you utilize preferred or standard pharmacies and mail-order services.
Additional Benefits
The Aetna Medicare Signature Extra (HMO-POS) plan offers strong core medical coverage, featuring no copays for primary care visits, preventive screenings, and home health care. For specialized care, specialist visits range from no copay to a $50 copay, and emergency room services require a $130 copay with no coinsurance. Inpatient hospital stays require a $450 daily copay for the first six days, after which there is no copay, while outpatient hospital services feature a copay ranging from no copay to $400. This plan also includes valuable dental, vision, and hearing benefits to help reduce out-of-pocket expenses. Routine eye exams, eyewear, and preventive dental services are available with no copays, alongside a $200 annual vision allowance and a $1,000 dental maximum. For recovery and specialized care, skilled nursing facilities require no copay for the first 20 days, while medical equipment and dialysis services generally require no copay and up to a 20% coinsurance.
Inpatient Hospital See details
Aetna Medicare Signature Extra (HMO-POS) covers inpatient hospital services with no coinsurance, though prior authorization is required. Acute care requires a $450 copay per day for days 1 through 6 and no copay for days 7 and beyond, excluding upgrades and non-Medicare-covered stays. Psychiatric care requires a $370 copay per day for days 1 through 5 and no copay for days 6 through 90, excluding additional days and non-Medicare-covered stays.
Outpatient Services See details
Aetna Medicare Signature Extra (HMO-POS) covers outpatient services with no coinsurance, featuring a $0 to $400 copay for outpatient hospital services and a $400 copay per stay for observation services. Ambulatory surgical center and outpatient blood services have no copay and no coinsurance, while outpatient substance abuse sessions 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 $55.00 or $145.00 and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by Aetna Medicare Signature Extra (HMO-POS), requiring a $350 copay and no coinsurance for ground services, and a 20% coinsurance and no copay for air services. Prior authorization is required for ambulance services, and while transportation is covered, some services are covered but transportation to plan-approved or any health-related locations is not covered.
Emergency Services See details
Emergency services are covered by Aetna Medicare Signature Extra (HMO-POS) with a $130 copay (waived if admitted within 24 hours) and no coinsurance, while urgent care requires a $50 copay and no coinsurance. Worldwide emergency and urgent services are also covered up to a $250,000 maximum with no coinsurance, featuring a $130 copay for emergency or urgent care and a $350 copay for emergency transportation.
Primary Care See details
Primary care services under the Aetna Medicare Signature Extra (HMO-POS) plan feature no copay and no coinsurance for primary care visits, and a $0 to $50 copay with no coinsurance for specialists. Physical, occupational, mental health, psychiatric, and opioid treatments require a $40 to $50 copay and no coinsurance, while telehealth has a $0 to $50 copay and 20% coinsurance. Podiatry is not covered, and while some chiropractic services are covered with a $15 copay and no coinsurance, routine and other chiropractic care are not covered.
Preventive Services See details
Aetna Medicare Signature Extra (HMO-POS) partially covers preventive services, offering annual physical exams, health education, and various screenings with no copay and no coinsurance, while kidney disease education has no copay and a 20% coinsurance. However, several services are not covered, including in-home safety assessments, personal emergency response systems, medical nutrition therapy, weight management programs, and alternative therapies.
Hearing Services See details
Aetna Medicare Signature Extra (HMO-POS) hearing services are partially covered, offering annual routine hearing exams and fitting evaluations with no copay and no coinsurance. Prescription hearing aids are covered up to $1,250 per ear every year with no copay or coinsurance, but OTC hearing aids as well as inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
Vision services are covered by Aetna Medicare Signature Extra (HMO-POS) with no copay, no coinsurance, and no deductible for eye exams and eyewear. This includes one routine eye exam per year and a $200 annual maximum allowance for contact lenses, eyeglasses, frames, and upgrades.
Dental Services See details
Dental services are partially covered by Aetna Medicare Signature Extra (HMO-POS), featuring no copay and no coinsurance for preventive and most comprehensive services up to a $1,000 annual maximum, while Medicare-covered dental requires a $50 copay and no coinsurance. Maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Aetna Medicare Signature Extra (HMO-POS) covers Home Infusion bundled Services with no copay, though prior authorization and step therapy are required. Under this benefit, Medicare Part B chemotherapy, radiation, and other Part B drugs have no copay and a coinsurance ranging from 0% to 20%, 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 Extra (HMO-POS) plan with no copay and a 20% coinsurance. Prior authorization is required before you can receive these services.
Medical Equipment See details
Aetna Medicare Signature Extra (HMO-POS) covers medical equipment, including durable medical equipment (DME), 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
Aetna Medicare Signature Extra (HMO-POS) covers diagnostic services with no coinsurance, offering lab services with no copay and other tests with a $0 to $20 copay. Covered radiological services require prior authorization and include outpatient X-rays for a $15 copay, diagnostic radiology starting at no copay, and therapeutic radiology with a minimum 20% coinsurance.
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
Aetna Medicare Signature Extra (HMO-POS) provides Cardiac Rehabilitation Services with no copay and no coinsurance, but while some services are covered, specific sub-services including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation are not covered.
Skilled Nursing Facility (SNF) See details
Aetna Medicare Signature Extra (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization and no prior three-day inpatient 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 standard Medicare-covered limit are not covered.
Other Services See details
Aetna Medicare Signature Extra (HMO-POS) partially covers other services, providing a meal benefit for chronic illnesses, annual wellness exams, screening mammography, and additional gFOBT and FIT screenings with no copay and no coinsurance. Acupuncture and over-the-counter (OTC) items are not covered.
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