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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 Select Northwest and South AR Counties. This plan received an overall rating of 4 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 $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:
Sign up for Aetna Medicare Signature (HMO-POS)
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Drug Coverage
The Aetna Medicare Signature (HMO-POS) plan offers an Enhanced Alternative drug benefit with a $615.00 prescription drug deductible. During the initial coverage phase, you will enjoy no copay for Tier 1 preferred generic drugs at standard pharmacies. For Tier 2 standard generics, Tier 3 preferred brands, and Tier 4 non-preferred drugs, you will pay a 25% coinsurance until your total drug costs reach $2,100.00. After reaching $2,100.00 in yearly out-of-pocket drug costs, you enter the catastrophic coverage phase and pay nothing for Medicare Part D covered drugs. Furthermore, individuals who qualify for the low-income subsidy (Extra Help) can reduce their Part D premium costs to $0.00.
Additional Benefits
The Aetna Medicare Signature (HMO-POS) plan offers comprehensive medical coverage with no copay or coinsurance for primary care visits and routine preventive services. For specialist visits, members pay a copay of up to $30, while outpatient services range from no copay for ambulatory surgical centers up to a $380 copay for hospital services. Inpatient hospital stays require daily copays of $380 for acute care and $407 for psychiatric care, both with no coinsurance. Emergency care is covered with a $115 copay, while ground ambulance services require a $330 copay. Routine dental, vision, and hearing exams feature no copay, with additional allowances of up to $250 for eyewear and up to a $2,500 annual maximum for comprehensive dental services with 20% to 50% coinsurance. Other essential benefits include home health services with no copay and skilled nursing facility care covered with no copay for the first 20 days.
Inpatient Hospital See details
Aetna Medicare Signature (HMO-POS) partially covers inpatient hospital services with no coinsurance, requiring prior authorization for stays. Acute care requires a $380 daily copay for days 1 through 7 and no copay for subsequent days, while psychiatric care requires a $407 daily copay for days 1 through 5 and no copay thereafter. Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by Aetna Medicare Signature (HMO-POS) with no coinsurance, featuring no copay for ambulatory surgical center and blood services, a $30 copay for substance abuse sessions, and copays up to $380 for hospital and observation services. Prior authorization is required for most of these outpatient services.
Partial Hospitalization See details
Aetna Medicare Signature (HMO-POS) covers partial hospitalization services with a copay ranging from $105.00 to $110.00 and no coinsurance. Prior authorization is required to access these covered benefits.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by Aetna Medicare Signature (HMO-POS), as transportation services to both plan-approved and any health-related locations are not covered. Covered ground ambulance services require a $330 copay and no coinsurance, while air ambulance services require a 20% coinsurance and no copay, with prior authorization required.
Emergency Services See details
Aetna Medicare Signature (HMO-POS) covers emergency services with a $115 copay and urgent care with a $40 copay, both with no coinsurance. Worldwide emergency, urgent, and transportation services are also covered with no coinsurance and copays ranging from $115 to $330, up to a $250,000 maximum benefit.
Primary Care See details
Primary Care benefits are partially covered by Aetna Medicare Signature (HMO-POS), featuring no copay and no coinsurance for primary care visits, and copays up to $30 with no coinsurance for specialists, therapies, and mental health services. Telehealth services require a $0 to $40 copay and 20% coinsurance, while podiatry services and routine chiropractic care are not covered.
Preventive Services See details
Aetna Medicare Signature (HMO-POS) provides partial coverage for preventive services, offering annual physicals, health education, and routine screenings with no copay and no coinsurance, while kidney disease education requires a 20% coinsurance and no copay. The plan does not cover In-Home Safety Assessments, Personal Emergency Response Systems (PERS), Medical Nutrition Therapy (MNT), post-discharge medication reconciliation, re-admission prevention, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, disease management, telemonitoring, home safety modifications, and counseling.
Hearing Services See details
Hearing Services are partially covered by Aetna Medicare Signature (HMO-POS), featuring no coinsurance across all covered benefits. Routine exams, fitting evaluations, and prescription hearing aids have no copay, while other hearing exams require a $30 copay, with prescription aids limited to a $500 annual maximum per ear. However, OTC hearing aids and specific prescription types, including inner ear, outer ear, and over the ear aids, are not covered.
Vision Services See details
Vision services are covered by Aetna Medicare Signature (HMO-POS), featuring no coinsurance and a copay ranging from $0 to $30 for eye exams, including one routine exam annually with no copay. Eyewear, including contact lenses and eyeglasses, is also covered with no copay or coinsurance up to a $250 annual combined maximum.
Dental Services See details
Dental Services are partially covered by Aetna Medicare Signature (HMO-POS), featuring no copays and no coinsurance for preventive care, a $30 copay and no coinsurance for Medicare-covered dental, and 20% to 50% coinsurance with no copays for comprehensive care up to a $2,500 annual maximum. Specific sub-services including fluoride treatment, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Aetna Medicare Signature (HMO-POS) covers home infusion bundled services, offering Medicare Part B insulin drugs for a $35 copay and no coinsurance. Other covered Part B chemotherapy and radiation drugs require no copay and carry a coinsurance ranging from no coinsurance up to 20%, with prior authorization and step therapy required.
Dialysis Services See details
Aetna Medicare Signature (HMO-POS) covers Dialysis Services with 20% coinsurance and no copay. Prior authorization is required to receive these covered services.
Medical Equipment See details
Medical Equipment is covered by Aetna Medicare Signature (HMO-POS) with prior authorization required and no copays. Members pay a 20% coinsurance for durable medical equipment, prosthetics, and diabetic therapeutic shoes, while diabetic supplies range from no coinsurance to 20% coinsurance.
Diagnostic and Radiological Services See details
Aetna Medicare Signature (HMO-POS) covers diagnostic and radiological services, with prior authorization required. Lab services have no copay and no coinsurance, diagnostic procedures require a $0 to $95 copay and no coinsurance, and diagnostic radiology requires a $0 to $300 copay and no coinsurance. Therapeutic radiology requires a 20% coinsurance and no copay, while outpatient X-rays require no copay and may incur a coinsurance.
Home Health Services See details
Aetna Medicare Signature (HMO-POS) covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Aetna Medicare Signature (HMO-POS) indicates that some services are covered, but Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services are not covered. Since these services are not covered, there is no copay or coinsurance coverage available for them.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are partially covered by Aetna Medicare Signature (HMO-POS), featuring no copay or coinsurance for days 1 through 20 and a $218 daily copay with no coinsurance for days 21 through 100. Prior authorization is required, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by Aetna Medicare Signature (HMO-POS) with no copay and no coinsurance for covered benefits like over-the-counter items and meals for chronic illnesses. Acupuncture and Dual Eligible SNPs with Highly Integrated Services are not covered.
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