A non-government entity
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 Central Missouri. 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 $4200.00 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)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
The Aetna Medicare Signature (HMO-POS) plan features an annual drug deductible of $615. For Tier 1 preferred generic and Tier 2 generic medications, there is no copay when using preferred pharmacies or preferred mail order services. If you use standard pharmacies or standard mail order, Tier 1 drugs require a copay starting at $2, while Tier 2 drugs require a copay starting at $12 for a one-month supply. For higher-tier medications, your costs are based on coinsurance rather than flat copays. Tier 3 preferred brand drugs carry a 24% coinsurance across all pharmacy and mail order options. Tier 4 non-preferred drugs and Tier 5 specialty drugs both require a 25% coinsurance, with specialty drugs limited to a one-month supply.
Additional Benefits
The Aetna Medicare Signature (HMO-POS) plan offers comprehensive medical coverage with predictable out-of-pocket costs, including no copay for primary care visits and copays ranging from no copay to $40 for specialists. Inpatient hospital stays require a $340 daily copay for the first six days and no copay for days 7 through 90, while outpatient hospital services feature no coinsurance and copays up to $340. Emergency care is covered with a $150 copay, which is waived if you are admitted, and urgent care visits carry a $40 copay. For routine wellness, this plan provides preventive care, annual physicals, and home health services with no copay and no coinsurance. Members also benefit from dental cleanings and routine vision exams with no copay, alongside a $125 eyewear allowance and up to $1,250 per ear for prescription hearing aids. Additionally, essential services like dialysis and durable medical equipment are covered, generally requiring a 20% coinsurance.
Inpatient Hospital See details
Inpatient hospital services are covered by Aetna Medicare Signature (HMO-POS) with no coinsurance, requiring a $340 copay per day for days 1 through 6 and no copay for days 7 through 90. This benefit is partially covered, as unlimited additional days are covered for acute care with no copay, while upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services covered by Aetna Medicare Signature (HMO-POS) feature no coinsurance, with outpatient hospital copays ranging from $0 to $340 and observation services requiring a $335 copay per stay. Ambulatory surgical center and blood services have no copay and no coinsurance, while outpatient substance abuse individual and group sessions carry a $40 copay and no coinsurance.
Partial Hospitalization See details
Aetna Medicare Signature (HMO-POS) covers partial hospitalization services with a copay of $70 or $180 and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
Aetna Medicare Signature (HMO-POS) covers ambulance services with prior authorization, requiring a $290 copay for ground ambulance services and a 20% coinsurance for air ambulance services. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Aetna Medicare Signature (HMO-POS) covers emergency services with a $150 copay (waived if admitted to the hospital within 24 hours) and no coinsurance, while urgently needed services have a $40 copay and no coinsurance. Worldwide emergency and urgent services are also covered up to a $250,000 maximum benefit limit with no coinsurance, carrying a $150 copay for emergency or urgent care and a $290 copay for emergency transportation.
Primary Care See details
Aetna Medicare Signature (HMO-POS) covers primary care physician services with no copay and no coinsurance, and specialist visits with a $0 to $40 copay and no coinsurance. Chiropractic services are partially covered with a $20 copay and no coinsurance, as routine chiropractic care and other chiropractic services are not covered. Most other services, including physical, occupational, and mental health therapies, require a $40 copay and no coinsurance.
Preventive Services See details
Preventive Services are partially covered under Aetna Medicare Signature (HMO-POS), offering no copay and no coinsurance for annual physical exams, health education, fitness benefits, and glaucoma screenings, though kidney disease education has a 20% coinsurance and no copay. Wigs for chemotherapy-related hair loss are covered up to $400 annually with no copay or coinsurance, but several services like in-home safety assessments, personal emergency response systems, and medical nutrition therapy are not covered.
Hearing Services See details
Hearing services are partially covered by Aetna Medicare Signature (HMO-POS), featuring Medicare-covered exams for a $40 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 $1,250 per ear annually with no copay or coinsurance, but OTC hearing aids and inner ear, outer ear, and over the ear prescription models are not covered.
Vision Services See details
Vision services are covered under Aetna Medicare Signature (HMO-POS) with no copays, no coinsurance, and no deductibles for both eye exams and eyewear. The plan includes one routine eye exam per year and offers a $125 annual maximum allowance for contact lenses, eyeglasses, frames, and upgrades.
Dental Services See details
Aetna Medicare Signature (HMO-POS) offers partially covered dental services, including cleanings and exams with no copay and no coinsurance, and comprehensive care with no copay and 20% to 50% coinsurance up to a $1,000 annual limit. Medicare-covered dental services require a $40 copay and no coinsurance, whereas fluoride, implants, orthodontics, maxillofacial prosthetics, and certain diagnostic or preventive services are not covered.
Home Infusion bundled Services See details
Aetna Medicare Signature (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Under this benefit, Medicare Part B insulin drugs require a $35 copay and no coinsurance, while chemotherapy, radiation, and other Part B drugs feature no copay and a 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the Aetna Medicare Signature (HMO-POS) plan with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
Medical equipment is covered by Aetna Medicare Signature (HMO-POS) with no copay and ranging from no coinsurance to 20% coinsurance for durable medical equipment, medical supplies, and diabetic supplies. Prosthetic devices require no copay and 20% coinsurance, while diabetic therapeutic shoes or inserts carry a $10 copay, with prior authorization required for most services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under Aetna Medicare Signature (HMO-POS) with prior authorization, featuring no copay and no coinsurance for lab services, and a $0 to $40 copay with no coinsurance for diagnostic tests. Diagnostic radiological services have a copay starting at $0, outpatient X-rays have no copay but require coinsurance, and therapeutic radiological services require both a copay and a minimum 20% coinsurance.
Home Health Services See details
Home Health Services are covered under the Aetna Medicare Signature (HMO-POS) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Aetna Medicare Signature (HMO-POS) features no coinsurance for Cardiac Rehabilitation Services; however, while some services are covered, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for PAD are not covered and require a $5 copay.
Skilled Nursing Facility (SNF) See details
Aetna Medicare Signature (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring a $20 daily copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, and while a prior three-day inpatient hospital stay is not necessary, additional days beyond the 100 Medicare-covered days are not covered.
Other Services See details
Aetna Medicare Signature (HMO-POS) partially covers other services with no copay and no coinsurance, including an annual wellness exam, colorectal screenings, and a $30 quarterly over-the-counter allowance. Acupuncture and meal benefits are not covered under this plan.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved