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Allina Health Aetna Medicare Signature Fit (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Allina Health Aetna Medicare Signature Fit (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 Fit (PPO) in 2026, please refer to our full plan details page.
Allina Health Aetna Medicare Signature Fit (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. 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 Fit (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 Fit (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 Fit (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. Additionally, this plan comes with a Part B Premium reduction of $32.00. You must continue to pay paying your reduced 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 combined Maximum Out-Of-Pocket cost of $8000.00 (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 $8000.00 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:
Sign up for Allina Health Aetna Medicare Signature Fit (PPO)
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Drug Coverage
The Allina Health Aetna Medicare Signature Fit (PPO) plan features an annual drug deductible of $615. For Tier 1 preferred generics and Tier 2 generics, there is no copay when using a preferred pharmacy or preferred mail-order service. If you use standard pharmacies or standard mail order, Tier 1 copays range from $2 to $6 and Tier 2 copays range from $12 to $36 depending on the supply duration. Higher-tier prescription drugs require coinsurance instead of flat copays. You will pay a 24% coinsurance for Tier 3 preferred brand drugs and a 25% coinsurance for Tier 4 non-preferred drugs across all pharmacy and mail-order options. Tier 5 specialty drugs also carry a 25% coinsurance and are limited to a one-month supply.
Additional Benefits
The Allina Health Aetna Medicare Signature Fit (PPO) plan offers robust healthcare coverage with no copays for primary care physician visits, home health services, and annual physical exams, while specialist visits require a $40 copay. For hospital stays, members pay a $380 daily copay for the first six days of inpatient care and no copay for days 7 through 90, with no coinsurance. Emergency room visits carry a $130 copay, which is waived if admitted, and urgent care is available for a $40 copay. This plan also features valuable supplemental benefits, including no copays or coinsurance for routine vision exams and dental care, supported by a $2,050 annual dental maximum. Hearing care is covered with no copay for routine annual exams and up to a $500 annual allowance per ear for prescription hearing aids. Additionally, members can take advantage of a $45 quarterly over-the-counter allowance and routine chiropractic care for a $15 copay.
Inpatient Hospital See details
Allina Health Aetna Medicare Signature Fit (PPO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $380 daily copay for days 1 to 6 and no copay for days 7 to 90. This benefit is partially covered because room upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered, though unlimited additional acute care days are covered with no copay.
Outpatient Services See details
Outpatient services are covered by the Allina Health Aetna Medicare Signature Fit (PPO) with no coinsurance, featuring a $0 to $380 copay for outpatient hospital services and a $380 copay per stay for observation services. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance, while outpatient substance abuse individual and group sessions require a $35 copay and no coinsurance.
Partial Hospitalization See details
Allina Health Aetna Medicare Signature Fit (PPO) covers partial hospitalization services with a copayment of $105.00 or $145.00 and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
Allina Health Aetna Medicare Signature Fit (PPO) covers ground ambulance services with a $315 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay, both requiring prior authorization. Non-emergency transportation services to health-related locations are not covered.
Emergency Services See details
Allina Health Aetna Medicare Signature Fit (PPO) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted within 24 hours, and urgent care with a $40 copay and no coinsurance. Worldwide emergency and urgent services are covered with a $130 copay, and worldwide emergency transportation has a $315 copay, both with no coinsurance and subject to a $250,000 maximum benefit.
Primary Care See details
Allina Health Aetna Medicare Signature Fit (PPO) covers primary care physician services with no copay and no coinsurance, and specialist visits with a $40 copay and no coinsurance. Chiropractic care is partially covered, offering up to 12 routine visits per year for a $15 copay and no coinsurance, while other chiropractic services are not covered. Mental health, physical therapy, and podiatry services are covered with copays ranging from $35 to $40 and no coinsurance, while telehealth services require a $0 to $40 copay and 20% coinsurance.
Preventive Services See details
Preventive Services are partially covered under the Allina Health Aetna Medicare Signature Fit (PPO) plan, with no copay and no coinsurance for an annual physical exam, fitness benefits, and various screenings, though kidney disease education requires a 20% coinsurance and no copay. While select supplemental benefits like health education and chemotherapy wigs are included, several others—such as in-home safety assessments, nutritional/dietary benefits, and personal emergency response systems—are not covered.
Hearing Services See details
Allina Health Aetna Medicare Signature Fit (PPO) covers hearing services with no coinsurance, including Medicare-covered exams for a $40 copay and annual routine exams and fittings for no copay. Prescription hearing aids are partially covered with no copay or coinsurance up to $500 per ear yearly, though inner ear, outer ear, over the ear, and OTC hearing aids are not covered.
Vision Services See details
Allina Health Aetna Medicare Signature Fit (PPO) 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 with a $50 maximum benefit, alongside a $250 annual combined maximum for contact lenses, eyeglasses, frames, and upgrades.
Dental Services See details
Dental services are partially covered by the Allina Health Aetna Medicare Signature Fit (PPO), which features a $2,050 annual maximum benefit for both in-network and out-of-network care. Medicare-covered dental services require a $40 copay and no coinsurance, while other covered preventive and comprehensive services have no copay and no coinsurance, excluding orthodontics, implant services, and maxillofacial prosthetics which are not covered.
Home Infusion bundled Services See details
Allina Health Aetna Medicare Signature Fit (PPO) covers home infusion bundled services with no copay, though prior authorization is required. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs have no copay and a 0% to 20% coinsurance, while Part B insulin has a $35 copay and no coinsurance.
Dialysis Services See details
Dialysis Services are covered under the Allina Health Aetna Medicare Signature Fit (PPO) plan with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
Medical equipment is covered by Allina Health Aetna Medicare Signature Fit (PPO) with no copays and coinsurance ranging from no coinsurance to 20% for durable medical equipment, prosthetics, and diabetic supplies. Prior authorization is required for these services, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
Allina Health Aetna Medicare Signature Fit (PPO) covers diagnostic and radiological services with prior authorization required. Diagnostic services feature no coinsurance, with no copay for lab services and a $0 to $25 copay for procedures, while radiological services require a $15 copay for X-rays, a $0 minimum copay for diagnostic radiology, and a minimum 20% coinsurance for therapeutic radiology.
Home Health Services See details
Allina Health Aetna Medicare Signature Fit (PPO) covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Allina Health Aetna Medicare Signature Fit (PPO) offers Cardiac Rehabilitation Services with no copay and no coinsurance. While some services are covered, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) are not covered.
Skilled Nursing Facility (SNF) See details
Skilled nursing facility (SNF) services are covered by Allina Health Aetna Medicare Signature Fit (PPO) with no coinsurance, requiring a daily copay of $10 for days 1 through 20, $218 for days 21 through 43, and no copay for days 44 through 100. Prior authorization is required and a three-day prior hospital stay is not needed, though additional days beyond the standard Medicare-covered 100 days are not covered.
Other Services See details
Allina Health Aetna Medicare Signature Fit (PPO) covers acupuncture with a $20 copay and no coinsurance for up to 12 treatments per year, as well as a $45 quarterly over-the-counter reimbursement benefit with no copay and no coinsurance. Chronic illness meal benefits, annual wellness exams, screening mammographies, and select colorectal cancer screenings are also covered with no copay and no coinsurance.
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