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Aetna Medicare Signature Plus (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Aetna Medicare Signature Plus (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Aetna Medicare Signature Plus (HMO) in 2026, please refer to our full plan details page.
Aetna Medicare Signature Plus (HMO) is a HMO plan offered by CVS Health Corporation available for enrollment in 2025 to people living in Select Counties Across AR. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that Aetna Medicare Signature Plus (HMO) 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 Plus (HMO).
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 Plus (HMO), 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 $6750.00 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 Plus (HMO) plan features an Enhanced Alternative drug benefit with an annual prescription drug deductible of $615.00. After meeting this deductible, you will enjoy no copay for Tier 1 preferred generic drugs at standard pharmacies during the initial coverage phase. For Tier 2 standard generics, Tier 3 preferred brands, and Tier 4 non-preferred drugs, you will pay a 25% coinsurance at standard pharmacies until total drug costs reach $2,100.00. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and pay nothing for Medicare Part D covered drugs. Additionally, beneficiaries who qualify for the low-income subsidy, also known as Extra Help, will pay $0.00 for Part D.
Additional Benefits
The Aetna Medicare Signature Plus (HMO) plan offers affordable access to essential medical services, featuring no copay and no coinsurance for primary care visits, routine annual physicals, and home health services. For hospital care, members pay a daily copay for the first few days of inpatient stays, while outpatient hospital visits require copays up to $380 with no coinsurance. Emergency care is covered with a $130 copay, and urgent care is available for a $40 copay. This plan also includes valuable supplemental benefits, such as routine dental, vision, and hearing exams with no copay, alongside annual allowances of $200 for eyewear and up to $500 per ear for prescription hearing aids. Standard preventive dental care has no copay, while comprehensive dental services require 20% to 50% coinsurance up to a $2,500 annual limit. Additionally, most durable medical equipment and dialysis services are covered with no copay and a 20% coinsurance.
Inpatient Hospital See details
Aetna Medicare Signature Plus (HMO) partially covers inpatient hospital benefits, requiring a $388 daily copay for days 1 to 7 of acute stays and a $407 daily copay for days 1 to 5 of psychiatric stays, with no copay for subsequent days and no coinsurance. Upgrades, non-Medicare-covered stays, and additional days for psychiatric stays are not covered.
Outpatient Services See details
Aetna Medicare Signature Plus (HMO) covers outpatient services with no coinsurance, featuring copays that range from no copay for ambulatory surgical center and blood services up to $380 for outpatient hospital visits. Outpatient substance abuse sessions carry a $30 copay, and observation services require a $355 copay per stay, with prior authorization required for most benefits.
Partial Hospitalization See details
Aetna Medicare Signature Plus (HMO) covers partial hospitalization services with a copay ranging from $140.00 to $145.00 and no coinsurance. Prior authorization is required for these covered benefits.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by Aetna Medicare Signature Plus (HMO), as transportation services to plan-approved or any health-related locations are not covered. Medicare-covered ground ambulance services require a $305 copay and no coinsurance, while air ambulance services require a 20% coinsurance and no copay.
Emergency Services See details
Aetna Medicare Signature Plus (HMO) covers emergency services with a $130 copay and urgent care with a $40 copay, both with no coinsurance. Worldwide emergency and urgent services, including emergency transportation, are also covered with no coinsurance and copays ranging from $130 to $305, up to a $250,000 maximum plan benefit.
Primary Care See details
Primary Care benefits are partially covered under Aetna Medicare Signature Plus (HMO), as podiatry services and routine chiropractic care are not covered. There is no copay and no coinsurance for primary care physician visits, while other covered services like specialist and therapy visits carry copays up to $35 with no coinsurance, and telehealth services require a $0 to $40 copay and 20% coinsurance.
Preventive Services See details
Aetna Medicare Signature Plus (HMO) partially covers preventive services, offering no copay and no coinsurance for annual physicals, health education, fitness benefits, and wellness screenings, though kidney disease education requires a 20% coinsurance and no copay. Uncovered sub-services include in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, readmission prevention, weight management, alternative therapies, therapeutic massage, adult day health, nutritional and dietary benefits, home-based palliative care, in-home support, caregiver support, enhanced disease management, telemonitoring, home and bathroom safety devices, and counseling.
Hearing Services See details
Hearing services are partially covered by Aetna Medicare Signature Plus (HMO), offering Medicare-covered exams for a $35 copay and no coinsurance, and annual routine exams and fitting evaluations with no copay or coinsurance. Prescription hearing aids are covered up to $500 per ear yearly with no copay or coinsurance, while OTC hearing aids and inner ear, outer ear, and over-the-ear prescription aids are not covered.
Vision Services See details
Aetna Medicare Signature Plus (HMO) covers vision services with no coinsurance, featuring a $0 to $35 copay for eye exams, including one routine annual exam at no copay. Eyewear is also covered with no copay or coinsurance, providing a combined maximum benefit of $200 every year for contacts, frames, lenses, and upgrades.
Dental Services See details
Aetna Medicare Signature Plus (HMO) partially covers dental services, excluding fluoride treatment, maxillofacial prosthetics, implant services, and orthodontics. Covered preventive services feature no copay and no coinsurance, while Medicare-covered dental requires a $35 copay with no coinsurance, and other comprehensive services have no copay and a 20% to 50% coinsurance up to a $2,500 yearly maximum.
Home Infusion bundled Services See details
Aetna Medicare Signature Plus (HMO) covers home infusion bundled services with prior authorization. Medicare Part B insulin drugs require a $35 copay and no coinsurance, while chemotherapy, radiation, and other Part B drugs have no copay and a coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Aetna Medicare Signature Plus (HMO) covers Dialysis Services with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Aetna Medicare Signature Plus (HMO) covers medical equipment, including durable medical equipment, prosthetics, and diabetic equipment, with no copays and required prior authorization. Members pay a 20% coinsurance for most items, while diabetic supplies range from no coinsurance to 20% coinsurance.
Diagnostic and Radiological Services See details
Aetna Medicare Signature Plus (HMO) covers diagnostic and radiological services, with prior authorization required. Lab services and outpatient X-rays have no copay, while diagnostic procedures cost between a $0 and $95 copay, diagnostic radiological services range from a $0 to $300 copay, and therapeutic radiological services require a 20% coinsurance.
Home Health Services See details
Aetna Medicare Signature Plus (HMO) covers home health services with no copay and no coinsurance. Prior authorization is required to receive these services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the Aetna Medicare Signature Plus (HMO) plan, as none of the sub-services—including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation—are covered. Since these services are not covered, there are no copay or coinsurance benefits available.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) benefits are partially covered by Aetna Medicare Signature Plus (HMO) because additional days beyond the Medicare-covered limit are not covered. There is no copay or coinsurance for days 1 through 20, while days 21 through 100 require a $218 daily copay and no coinsurance, with prior authorization required.
Other Services See details
Aetna Medicare Signature Plus (HMO) partially covers other services, offering benefits such as over-the-counter items, meal benefits for chronic illness, annual wellness exams, and additional cancer screenings with no copay and no coinsurance. Acupuncture and Dual Eligible SNPs with Highly Integrated Services are not covered by this plan.
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