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Aetna Medicare Full Dual Select (HMO D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Aetna Medicare Full Dual Select (HMO D-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Aetna Medicare Full Dual Select (HMO D-SNP) in 2026, please refer to our full plan details page.
Aetna Medicare Full Dual Select (HMO D-SNP) is a HMO D-SNP plan offered by CVS Health Corporation available for enrollment in 2026 to people living in Central Florida. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that Aetna Medicare Full Dual Select (HMO D-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
Aetna Medicare Full Dual Select (HMO D-SNP)is a Special Needs Type (SNP) plan. This means you can only enroll in this plan if you meet specific criteria. See our full plan details page for more information.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Aetna Medicare Full Dual Select (HMO D-SNP).
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 Full Dual Select (HMO D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $2.60. 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 $9250.00 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 Full Dual Select (HMO D-SNP) plan features an annual drug deductible of $615. For Tier 1 preferred generic and Tier 2 generic medications, you will enjoy no copay for one-, two-, or three-month supplies filled at standard pharmacies or through standard mail order. Higher-tier medications require a percentage-based coinsurance rather than a flat copayment. Tier 3 preferred brand drugs carry a 22% coinsurance, while Tier 4 non-preferred drugs and Tier 5 specialty drugs require a 25% coinsurance for standard pharmacy and mail-order fills.
Additional Benefits
The Aetna Medicare Full Dual Select (HMO D-SNP) offers robust coverage for essential medical care, often featuring no copays or low cost-sharing. Members enjoy no copays for primary care, specialist visits, home health services, and routine lab work, though some medical services like doctor visits and dialysis require a 20% coinsurance. Inpatient hospital stays require a set copayment per stay with no coinsurance, while skilled nursing facility stays feature no copay for the first 20 days. This plan also provides valuable supplemental benefits to support overall wellness, including dental, vision, and hearing coverage. Routine eye and hearing exams are available with no copay and a 20% coinsurance, and members receive annual allowances of up to $400 for eyewear and $1,500 for non-Medicare dental services with no copay. Additionally, the plan includes a monthly allowance of up to $220 for over-the-counter items and up to 48 free one-way transportation trips per year to plan-approved locations.
Inpatient Hospital See details
Aetna Medicare Full Dual Select (HMO D-SNP) covers inpatient hospital services with no coinsurance, requiring prior authorization and a copayment of $2,230 per acute stay and $2,080 per psychiatric stay. This benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Aetna Medicare Full Dual Select (HMO D-SNP) covers outpatient hospital and observation services with copays ranging from no copay up to $175 and no coinsurance. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance, while outpatient substance abuse services feature no copay and 20% coinsurance.
Partial Hospitalization See details
Aetna Medicare Full Dual Select (HMO D-SNP) covers partial hospitalization services, which require prior authorization. Depending on the coverage, you will pay either a 20% coinsurance with no copay, or a $110 copay with no coinsurance.
Ambulance and Transportation Services See details
Aetna Medicare Full Dual Select (HMO D-SNP) covers ground ambulance services with a $275 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay, both requiring prior authorization. Transportation services are partially covered with no copay or coinsurance for up to 48 one-way trips per year to plan-approved locations, though transportation to any health-related location is not covered.
Emergency Services See details
Emergency services are covered by Aetna Medicare Full Dual Select (HMO D-SNP) with a $115 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services are covered with a 20% coinsurance (maximum $40 per visit) and no copay, while worldwide emergency, urgent, and transportation services are covered up to $250,000 with no copays or coinsurance.
Primary Care See details
Aetna Medicare Full Dual Select (HMO D-SNP) covers primary care, specialist visits, therapy, and mental health services with no copay and a 20% coinsurance. Chiropractic services are partially covered, offering up to 24 routine visits per year with no copay and 20% coinsurance, while other chiropractic services are not covered.
Preventive Services See details
Preventive Services under Aetna Medicare Full Dual Select (HMO D-SNP) are partially covered, featuring no copay and no coinsurance for most services like annual physicals and health education, though kidney disease education requires a 20% coinsurance. Several sub-services are not covered, including medical nutrition therapy, weight management programs, therapeutic massage, and in-home support services.
Hearing Services See details
Aetna Medicare Full Dual Select (HMO D-SNP) covers hearing exams with no deductible, featuring a 20% coinsurance and no copay for routine exams, and no copay for Medicare-covered exams and fitting evaluations. Prescription hearing aids are partially covered with no copay or coinsurance up to $1,250 per ear annually, though OTC, inner ear, outer ear, and over-the-ear models are not covered.
Vision Services See details
Aetna Medicare Full Dual Select (HMO D-SNP) covers vision services with no copay and a 20% coinsurance for routine eye exams, and no copay or coinsurance for follow-up diabetic eye exams. Eyewear is partially covered with no copay or coinsurance up to a $400 annual limit, though individual eyeglass lenses and eyeglass frames are not covered.
Dental Services See details
Dental Services are partially covered by Aetna Medicare Full Dual Select (HMO D-SNP), offering Medicare-covered dental with no copay and 20% coinsurance, and other dental services with no copay and no coinsurance up to a $1,500 annual maximum. Fluoride treatment, other preventive dental services, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by Aetna Medicare Full Dual Select (HMO D-SNP) with no copay and no coinsurance, though prior authorization is required. Under this benefit, Part B insulin drugs require a $35 copay and no coinsurance, while chemotherapy and other Part B drugs require no copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by Aetna Medicare Full Dual Select (HMO D-SNP) with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Medical equipment covered by Aetna Medicare Full Dual Select (HMO D-SNP) features no copays and no coinsurance for durable medical equipment, prosthetics, and diabetic supplies. Diabetic therapeutic shoes and inserts are covered with no copay but require a 20% coinsurance, and prior authorization is required for these medical equipment benefits.
Diagnostic and Radiological Services See details
Aetna Medicare Full Dual Select (HMO D-SNP) covers diagnostic services with no coinsurance, featuring no copay for lab services and a $0 to $50 copay for diagnostic procedures. Covered radiological services require prior authorization and referrals, offering outpatient X-rays with no copay, diagnostic radiology with copays starting at $0, and therapeutic radiology with a minimum 20% coinsurance.
Home Health Services See details
Home Health Services are covered by Aetna Medicare Full Dual Select (HMO D-SNP) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Aetna Medicare Full Dual Select (HMO D-SNP) requires a referral for cardiac rehabilitation, and while some services are covered with no copay, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are not covered and carry a 20% coinsurance.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by Aetna Medicare Full Dual Select (HMO D-SNP) 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, and additional days beyond those covered by Medicare are not covered.
Other Services See details
Aetna Medicare Full Dual Select (HMO D-SNP) partially covers other services with no copay and no coinsurance, including a chronic illness meal benefit, wellness exams, mammography screenings, and up to $220 monthly for over-the-counter items via reimbursement. Acupuncture is not covered under this plan.
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