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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 Western KS: Saline and surrounding counties. This plan received an overall rating of 4 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 $4150.00 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) prescription drug plan features an annual drug deductible of $615. Under this plan, you will pay no copay for Tier 1 preferred generics and Tier 2 generics when using a preferred pharmacy or preferred mail-order service. If you choose standard pharmacies or standard mail-order options, copays start at $2 for Tier 1 drugs and $12 for Tier 2 drugs for a one-month supply. For brand-name and specialty medications, costs are based on coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 24% coinsurance, while Tier 4 non-preferred drugs and Tier 5 specialty drugs carry a 25% coinsurance across all pharmacy types. These coinsurance rates apply to one-, two-, and three-month supplies, with Tier 5 specialty drugs limited to a one-month supply.
Additional Benefits
The Aetna Medicare Signature Extra (HMO-POS) plan offers comprehensive medical coverage featuring no copay and no coinsurance for primary care visits, annual physicals, and home health services. For inpatient hospital stays, members pay a $385 copay for days one through six and no copay for days seven through 90, with no coinsurance required. Specialist visits, urgent care, and diagnostic lab services generally carry low copays up to $45, while emergency room visits require a $150 copay. This plan also includes essential ancillary benefits, providing routine hearing and vision exams with no copay or coinsurance, alongside a $100 annual eyewear allowance and up to $500 per ear annually for prescription hearing aids. Preventive dental care is fully covered with no copay or coinsurance, while comprehensive dental services require 20% to 50% coinsurance up to a $2,000 yearly limit. Durable medical equipment is covered with no copay, though coinsurance ranges from none to 20% depending on the item.
Inpatient Hospital See details
Inpatient hospital care is covered by Aetna Medicare Signature Extra (HMO-POS) with no coinsurance, requiring a $385 copay for days 1 through 6 and no copay for days 7 through 90. This benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Aetna Medicare Signature Extra (HMO-POS) covers outpatient services with no coinsurance, featuring a $0 to $350 copay for outpatient hospital services and a $385 copay per stay for observation services. Ambulatory surgical center and blood services have no copay and no coinsurance, while outpatient substance abuse sessions require a $45 copay and no coinsurance.
Partial Hospitalization See details
Partial hospitalization is covered by Aetna Medicare Signature Extra (HMO-POS) with no coinsurance, requiring a copay of either $55.00 or $180.00 depending on the service. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
Aetna Medicare Signature Extra (HMO-POS) covers ambulance services with prior authorization, requiring a $280 copay and no coinsurance for ground transport, and a 20% coinsurance with no copay for air transport. Additional transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Emergency services are covered by the Aetna Medicare Signature Extra (HMO-POS) plan with a $150 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $45 copay with no coinsurance, while worldwide emergency, urgent, and transportation services are covered up to a $250,000 maximum benefit with no coinsurance and copays of $150, $150, and $280 respectively.
Primary Care See details
Aetna Medicare Signature Extra (HMO-POS) covers primary care physician services with no copay and no coinsurance, while specialist, therapy, and mental health services have copays up to $45 and no coinsurance. Chiropractic services are partially covered with a $20 copay and no coinsurance, though routine and other chiropractic services are not covered. Telehealth benefits are also available with a 20% coinsurance and copays ranging from $0 to $45.
Preventive Services See details
Aetna Medicare Signature Extra (HMO-POS) offers partially covered preventive services, featuring no copay and no coinsurance for annual physical exams, health education, and screenings, while kidney disease education has no copay and a 20% coinsurance. Sub-services that are not covered 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/dietary benefits, home-based palliative care, in-home support, caregiver support, enhanced disease management, telemonitoring, home safety modifications, and counseling.
Hearing Services See details
Aetna Medicare Signature Extra (HMO-POS) covers hearing services, including Medicare-covered exams for a $45 copay and no coinsurance, as well as annual routine exams and fitting evaluations with no copay or coinsurance. Prescription hearing aids are covered up to $500 per ear annually with no copay or coinsurance, though OTC hearing aids and inner, outer, or over-the-ear prescription models are not covered.
Vision Services See details
Aetna Medicare Signature Extra (HMO-POS) covers vision services with no copay, no coinsurance, and no deductible for both eye exams and eyewear. The plan includes one routine eye exam per year and provides a $100 annual maximum coverage limit for contact lenses, eyeglasses, frames, and upgrades.
Dental Services See details
Dental Services are partially covered by Aetna Medicare Signature Extra (HMO-POS), featuring a $45 copay and no coinsurance for Medicare-covered dental, and no copay or coinsurance for preventive care like exams, cleanings, and X-rays. Comprehensive dental services are covered with no copay and a 20% to 50% coinsurance up to a $2,000 annual limit, though fluoride, implants, orthodontics, maxillofacial prosthetics, other diagnostic, and other preventive services 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 is required. Under this benefit, Part B insulin is covered with a $35 copay and no coinsurance, while other Part B chemotherapy and infusion drugs have no copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by Aetna Medicare Signature Extra (HMO-POS) with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
Aetna Medicare Signature Extra (HMO-POS) covers durable medical equipment, prosthetics, medical supplies, and diabetic equipment with no copay, though prior authorization is required. Coinsurance ranges from no coinsurance to 20% coinsurance depending on the specific item, with a flat 20% coinsurance applying to prosthetic devices and diabetic therapeutic shoes or inserts.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under Aetna Medicare Signature Extra (HMO-POS), with prior authorization required. Lab services feature no copay or coinsurance, diagnostic tests carry a $0 to $45 copay with no coinsurance, outpatient X-rays have no copay, and therapeutic radiological services require a minimum 20% coinsurance.
Home Health Services See details
Aetna Medicare Signature Extra (HMO-POS) covers home health services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Aetna Medicare Signature Extra (HMO-POS) offers cardiac rehabilitation services with no coinsurance, but only some services are covered because standard cardiac, intensive cardiac, pulmonary, and Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) services are not covered and require a $5 copay.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered under Aetna Medicare Signature Extra (HMO-POS) with no coinsurance, requiring prior authorization but allowing admission without a prior three-day hospital stay. Covered individuals pay a daily copayment of $15 for days 1 through 20 and $218 for days 21 through 100, with no coverage available for additional days beyond the Medicare-covered limit.
Other Services See details
Aetna Medicare Signature Extra (HMO-POS) partially covers other services, offering acupuncture for a $20 copay and no coinsurance for up to 12 treatments per year, as well as annual wellness exams, screening mammographies, and additional gFOBT and FIT screenings with no copay and no coinsurance. Over-the-counter (OTC) items and meal benefits are not covered under this plan.
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