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Allina Health Aetna Medicare Signature (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Allina Health Aetna Medicare Signature (PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Allina Health Aetna Medicare Signature (PPO) in 2026, please refer to our full plan details page.
Allina Health Aetna Medicare Signature (PPO) is a PPO plan offered by Allina Health and Aetna Insurance Holding Company available for enrollment in 2025 to people living in Twin Cities Metro and Select MN Counties. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that Allina Health Aetna Medicare Signature (PPO) 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 Allina Health Aetna Medicare Signature (PPO).
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 Allina Health Aetna Medicare Signature (PPO), 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 $500.00 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 combined Maximum Out-Of-Pocket cost of $6500.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $6500.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
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 Allina Health Aetna Medicare Signature (PPO) plan features an annual drug deductible of $500. 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 choose standard pharmacies or standard mail order services, copays range from $2 to $6 for Tier 1 and $12 to $36 for Tier 2 depending on the supply duration. For higher-tier medications, costs are structured as coinsurance across all pharmacy and mail order options. Tier 3 preferred brand drugs require a 22% coinsurance, Tier 4 non-preferred drugs require 25% coinsurance, and Tier 5 specialty drugs carry a 27% coinsurance for a one-month supply.
Additional Benefits
The Allina Health Aetna Medicare Signature (PPO) plan offers comprehensive medical coverage with no copay or coinsurance for primary care visits, while specialist visits and urgent care require a $35 copay. Emergency room visits carry a $130 copay, which is waived if you are admitted to the hospital within 24 hours. For inpatient hospital stays, there is no coinsurance, but members pay a $325 daily copay for the first five days and no copay for days six through 90. This plan also features valuable supplemental benefits, including preventive and comprehensive dental care with no copay up to a $1,400 annual maximum. Vision services and routine hearing exams are available with no copays, alongside a $200 annual eyewear allowance and a $500 annual hearing aid allowance per ear. Additionally, members receive a $60 quarterly over-the-counter allowance and home health services with no copay.
Inpatient Hospital See details
Allina Health Aetna Medicare Signature (PPO) partially covers inpatient hospital services with no coinsurance, requiring a $325 daily copay for days 1 to 5 and no copay for days 6 to 90. While unlimited additional acute care days are covered with no copay, additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Allina Health Aetna Medicare Signature (PPO) covers outpatient services with no coinsurance, including ambulatory surgical center and blood services with no copay. Outpatient hospital services carry a copay of $0 to $325, observation services require a $325 copay per stay, and outpatient substance abuse sessions have a $35 copay.
Partial Hospitalization See details
Partial hospitalization is covered by the Allina Health Aetna Medicare Signature (PPO) with a copay of either $70.00 or $145.00 and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
Ambulance services are covered by the Allina Health Aetna Medicare Signature (PPO) with prior authorization, requiring a $305 copay and no coinsurance for ground transport, and a 20% coinsurance with no copay for air transport. For transportation, some services are covered but trips to plan-approved or any health-related locations are not covered.
Emergency Services See details
Allina Health Aetna Medicare Signature (PPO) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgent care is available with a $35 copay and no coinsurance, while worldwide emergency services are covered up to $250,000 with no coinsurance and copays of $130 for emergency or urgent care and $305 for transportation.
Primary Care See details
Allina Health Aetna Medicare Signature (PPO) covers primary care physician services with no copay and no coinsurance, while specialist visits require a $35 copay and no coinsurance. Therapy services range from a $25 to $35 copay with no coinsurance, and chiropractic benefits are partially covered with routine care costing a $15 copay while other chiropractic services are not covered.
Preventive Services See details
Allina Health Aetna Medicare Signature (PPO) partially covers preventive services, offering annual physical exams, fitness benefits, and screenings with no copay and no coinsurance, though kidney disease education requires a 20% coinsurance and no copay. Several supplemental services, including in-home safety assessments, personal emergency response systems, and weight management programs, are not covered.
Hearing Services See details
Allina Health Aetna Medicare Signature (PPO) covers hearing services, featuring a $35 copay and no coinsurance for Medicare-covered exams, alongside routine exams and fittings with no copay and no coinsurance. Prescription hearing aids are covered up to $500 per ear annually with no copay and no coinsurance, though the benefit is only partially covered as OTC hearing aids and inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
Allina Health Aetna Medicare Signature (PPO) covers vision services with no copays, no coinsurance, and no deductibles for both eye exams and eyewear. Covered benefits include one routine eye exam per year up to a $50 maximum, alongside a combined annual eyewear allowance of $200 for contacts, eyeglasses, frames, lenses, and upgrades.
Dental Services See details
Dental services are partially covered by the Allina Health Aetna Medicare Signature (PPO) plan, which offers most preventive and comprehensive services with no copay and no coinsurance up to a $1,400 annual maximum for both in- and out-of-network care. Medicare-covered dental services require a $35 copay and no coinsurance, while maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered under the Allina Health Aetna Medicare Signature (PPO) with no copay, though prior authorization is required. Medicare Part B insulin drugs require a $35 copay and no coinsurance, while chemotherapy and other Part B drugs have no copay and a coinsurance ranging from 0% to 20%.
Dialysis Services See details
The Allina Health Aetna Medicare Signature (PPO) plan covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required for these covered services.
Medical Equipment See details
Allina Health Aetna Medicare Signature (PPO) covers medical equipment with no copays, though coinsurance ranges from no coinsurance up to 20% depending on the item. This coverage includes durable medical equipment, prosthetics, and diabetic supplies, all of which require prior authorization.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by Allina Health Aetna Medicare Signature (PPO) with prior authorization required, featuring no coinsurance and a $0 to $20 copay for diagnostic tests and no copay or coinsurance for lab services. Outpatient x-rays require a $15 copay plus coinsurance, diagnostic radiological services have a $0 minimum copay and no coinsurance, and therapeutic radiological services require a 20% coinsurance and a copay.
Home Health Services See details
Home Health Services are covered by the Allina Health Aetna Medicare Signature (PPO) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are provided by the Allina Health Aetna Medicare Signature (PPO) with no coinsurance, but only some services are covered in practice. Specifically, cardiac rehabilitation (with a $20 copay), intensive cardiac rehabilitation (with a $20 copay), pulmonary rehabilitation (with a $15 copay), and SET for PAD services (with a $25 copay) are not covered.
Skilled Nursing Facility (SNF) See details
Allina Health Aetna Medicare Signature (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day inpatient hospital stay. Patients pay no copay for days 1 through 20 and days 42 through 100, a $218 daily copay for days 21 through 41, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Other services covered by the Allina Health Aetna Medicare Signature (PPO) include acupuncture, which features a $20 copay and no coinsurance for up to 12 treatments annually. The plan also provides a $60 quarterly over-the-counter allowance, chronic illness meal benefits, and annual wellness screenings, all with no copay and no coinsurance.
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