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Aetna Medicare Signature (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Aetna Medicare Signature (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 (HMO) in 2025, please refer to our full plan details page.
Aetna Medicare Signature (HMO) is a HMO plan offered by CVS Health Corporation available for enrollment in 2025 to people living in Select HVP Counties in AL. This plan received an overall rating of 4 out of 5 stars in 2025.
It's important to know that Aetna Medicare Signature (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 (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 (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 $590.00 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 $6900.00 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 (HMO) plan has a $590 deductible for prescription drugs. After the deductible, your costs will vary depending on the drug tier and pharmacy you use. For example, you will pay no copay for preferred generic drugs at preferred pharmacies or through the mail, while standard generic drugs have 24% coinsurance. In the initial coverage phase, you'll pay these costs until your total drug costs reach $2,000. Once you reach that amount, you enter the catastrophic coverage phase, where you pay nothing for Medicare Part D covered drugs. This plan's premium may be reduced if you qualify for the low-income subsidy.
Additional Benefits
The Aetna Medicare Signature (HMO) plan offers a range of benefits, including inpatient hospital stays with copays, outpatient services with varying copays, and emergency services with copays. The plan also covers primary care, preventive services, hearing, vision, dental, and home health services. Many services have no copay, but some services have copays, coinsurance, or require prior authorization.
Inpatient Hospital See details
The Aetna Medicare Signature (HMO) plan covers inpatient hospital services, including acute and psychiatric care. For inpatient hospital-acute, you'll pay a $380 copay for days 1-7, and no copay for days 8-90; for inpatient hospital-psychiatric, you'll pay a $407 copay for days 1-5, and no copay for days 6-90.
Outpatient Services See details
Outpatient Services include coverage for outpatient hospital services with a copay between $0 and $380, observation services with a $380 copay, ambulatory surgical center services with no copay, and outpatient substance abuse services with a $30 copay for both individual and group sessions. Additionally, outpatient blood services are covered with no copay.
Partial Hospitalization See details
Partial Hospitalization is covered by the Aetna Medicare Signature (HMO) plan, but requires prior authorization. You will have an $80 copay for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by Aetna Medicare Signature (HMO), with prior authorization required for all ambulance services. Ground ambulance services have a $250 copay, and air ambulance services have a 20% coinsurance, while transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered under the Aetna Medicare Signature (HMO) plan. Emergency Services and Worldwide Emergency Coverage have a $110 copay, Urgently Needed Services has a $40 copay, and Worldwide Emergency Transportation has a $250 copay; all services have no coinsurance.
Primary Care See details
The Aetna Medicare Signature (HMO) plan covers Primary Care Physician Services with no copay, Chiropractic Services with a $15 copay, Occupational Therapy Services with a $25 copay, Physician Specialist Services with a copay between $10 and $35, and Physical Therapy and Speech-Language Pathology Services with a $25 copay. Mental Health and Psychiatric services have a $30 copay for individual or group sessions. The plan also covers Other Health Care Professional services with a copay between $0 and $35, and Opioid Treatment Program Services with a $30 copay. Additional telehealth benefits are available with a 20% coinsurance and a copay between $0 and $40. However, Routine Chiropractic Care and Podiatry Services are not covered.
Preventive Services See details
Preventive Services include coverage for a yearly physical exam and additional services, with no copay. Kidney Disease Education Services have a 20% coinsurance, while some other services such as Glaucoma Screenings, Diabetes Self-Management Training, and Barium Enemas have no copay.
Hearing Services See details
Hearing services with the Aetna Medicare Signature (HMO) plan include hearing exams with a $35 copay, routine hearing exams with no copay, and fitting/evaluation for hearing aids with no copay. Prescription hearing aids are covered up to $500 per year, and all other prescription hearing aids services are covered with no copay. OTC hearing aids are not covered, and prescription hearing aids for the inner, outer, and over-the-ear are not covered.
Vision Services See details
The Aetna Medicare Signature (HMO) plan covers vision services, including eye exams with a copay of $0-$35, and eyewear with no copay. Routine eye exams are covered with no copay for 1 visit every year, and other eye exam services are covered with no copay. Eyewear has a combined maximum benefit of $175 every year, and includes contact lenses, eyeglasses (lenses and frames), eyeglass lenses, eyeglass frames, and upgrades.
Dental Services See details
Dental Services are covered, with a $2,000 annual maximum. Medicare Dental Services have a $35 copay, while other services like oral exams, dental x-rays, cleaning, and more have no copay. Maxillofacial Prosthetics, Implant Services, and Orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, including Medicare Part B Insulin Drugs with a $35 copay. Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs are also covered with coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered under the Aetna Medicare Signature (HMO) plan and require prior authorization. The coinsurance for dialysis services is 20%.
Medical Equipment See details
Medical Equipment coverage includes Durable Medical Equipment (DME) with 20% coinsurance, Prosthetics/Medical Supplies with 20% coinsurance, and Diabetic Equipment. Diabetic Supplies have no coinsurance, and Diabetic Therapeutic Shoes/Inserts have a $10 copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including diagnostic procedures and tests with a maximum copay of $95, lab services with no copay, diagnostic radiological services with a copay of at most $300, therapeutic radiological services with a coinsurance of at least 20%, and outpatient X-ray services with no copay. Prior authorization is required for all diagnostic and radiological services.
Home Health Services See details
Home Health Services are covered by the Aetna Medicare Signature (HMO) plan with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by the Aetna Medicare Signature (HMO) plan. However, Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, and Additional Cardiac Rehabilitation Services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Aetna Medicare Signature (HMO) plan with prior authorization. For days 1-20, there is no copay, and for days 21-100, the copay is $214.
Other Services See details
The Aetna Medicare Signature (HMO) plan covers Over-the-Counter (OTC) Items and Meal Benefits with no copay, and other services like annual wellness exams, screening mammography, gFOBT, and FIT with no copay. Acupuncture, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services are not covered.
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