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Aetna Medicare Signature Extra (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Aetna Medicare Signature Extra (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 Extra (HMO) in 2026, please refer to our full plan details page.
Aetna Medicare Signature Extra (HMO) is a HMO plan offered by CVS Health Corporation available for enrollment in 2025 to people living in Clark and Nye Counties. This plan received an overall rating of 3 out of 5 stars in 2026.
It's important to know that Aetna Medicare Signature Extra (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 Extra (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 Extra (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 $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 $2500.00 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) plan features an annual drug deductible of $615. For Tier 1 preferred generics and Tier 2 generics, members enjoy no copay for one-, two-, or three-month supplies when using preferred pharmacies or preferred mail-order services. Standard pharmacies and standard mail-order options charge a low copay ranging from $2 to $6 for Tier 1 drugs and $12 to $36 for Tier 2 drugs depending on the supply duration. For higher-tier prescriptions, cost-sharing transitions to coinsurance across all pharmacy and mail-order options. Tier 3 preferred brand drugs require a 24% coinsurance, while Tier 4 non-preferred drugs and Tier 5 specialty drugs require a 25% coinsurance. Specialty tier drugs are limited to a one-month supply at this 25% coinsurance rate.
Additional Benefits
The Aetna Medicare Signature Extra (HMO) provides robust medical coverage with no copay or coinsurance for primary care visits, preventive screenings, and home health services. Specialist visits require a $35 copay, while emergency care features a $150 copay with no coinsurance. For inpatient hospital stays, members pay a $150 daily copay for days one through five, followed by no copay for the remainder of their stay. This plan also includes strong dental, vision, and hearing benefits, offering routine exams with no copays or deductibles alongside annual allowances for eyewear and hearing aids. Comprehensive dental care is covered up to a $1,500 annual limit with no copay and 20% to 50% coinsurance. Additionally, diagnostic lab services and X-rays are covered with no copay, and skilled nursing facility stays require no copay for the first 20 days.
Inpatient Hospital See details
Aetna Medicare Signature Extra (HMO) covers inpatient acute hospital stays with no coinsurance and a $150 copay for days 1 to 5, followed by no copay for days 6 and beyond. Inpatient psychiatric hospital stays are also covered with no coinsurance and a $370 copay for days 1 to 5, followed by no copay for days 6 to 90. Prior authorization is required for these services, while upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Aetna Medicare Signature Extra (HMO) covers outpatient services with no coinsurance, featuring a $0 to $150 copay for outpatient hospital services and a $100 copay for ambulatory surgical center services. Outpatient substance abuse sessions require a $35 copay with no coinsurance, while outpatient blood services are covered with no copay, no coinsurance, and no deductible.
Partial Hospitalization See details
Partial hospitalization is covered by Aetna Medicare Signature Extra (HMO) with a copay of either $55.00 or $180.00 and no coinsurance. Prior authorization is required to access these benefits.
Ambulance and Transportation Services See details
Aetna Medicare Signature Extra (HMO) covers ground ambulance services with a $275 copay and air ambulance services with a 20% coinsurance, both requiring prior authorization. Routine transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Aetna Medicare Signature Extra (HMO) covers emergency services with a $150 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services are covered with a $20 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered up to a $250,000 maximum benefit with no coinsurance and copays ranging from $150 to $275.
Primary Care See details
Aetna Medicare Signature Extra (HMO) covers primary care physician services with no copay and no coinsurance, while specialist visits, therapies, and mental health services require a $35 copay and no coinsurance. Telehealth benefits are available with a $0 to $35 copay and 20% coinsurance, though podiatry and chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered under Aetna Medicare Signature Extra (HMO), with no copay and no coinsurance for annual physicals, screenings, and health education, while kidney disease education has no copay but requires a 20% coinsurance. Several sub-services are not covered, including in-home safety assessments, personal emergency response systems, medical nutrition therapy, weight management, alternative therapies, and adult day health services.
Hearing Services See details
Hearing services are covered by Aetna Medicare Signature Extra (HMO) with no deductible, copays, or coinsurance, including one routine hearing exam and one fitting evaluation annually. Prescription hearing aids are partially covered with a $1,000 maximum benefit per ear each year, though OTC hearing aids and inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
Aetna Medicare Signature Extra (HMO) covers vision services with no copay, no coinsurance, and no deductible for both eye exams and eyewear. This benefit includes one routine eye exam per year and a $150 annual maximum allowance for contact lenses, eyeglasses, frames, lenses, and upgrades.
Dental Services See details
Aetna Medicare Signature Extra (HMO) partially covers dental services, offering preventive care like exams and cleanings with no copay and no coinsurance, though other diagnostic services, fluoride, and other preventive dental services are not covered. Medicare-covered dental services require a $35 copay and no coinsurance, while covered comprehensive services have a $1,500 annual limit with no copay and 20% to 50% coinsurance, excluding maxillofacial prosthetics, implants, and orthodontics.
Home Infusion bundled Services See details
Home infusion bundled services are covered by Aetna Medicare Signature Extra (HMO) with no copay, while Medicare Part B insulin drugs require a $35 copay and no coinsurance. Other covered Medicare Part B chemotherapy, radiation, and miscellaneous drugs have no copay and a coinsurance ranging from 0% to 20%.
Dialysis Services See details
Dialysis Services are covered under the Aetna Medicare Signature Extra (HMO) with no copay and a 20% coinsurance, and prior authorization is required.
Medical Equipment See details
Aetna Medicare Signature Extra (HMO) covers durable medical equipment, prosthetics, and diabetic supplies with no copay, though coinsurance ranges from no coinsurance up to 20%. Prior authorization is required for these benefits, and manufacturer limitations apply to diabetic supplies.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under Aetna Medicare Signature Extra (HMO) with prior authorization required. Diagnostic tests, lab services, and diagnostic radiology are offered with no copay and no coinsurance, outpatient X-rays have no copay, and therapeutic radiological services require a 20% coinsurance.
Home Health Services See details
Home health services are covered by Aetna Medicare Signature Extra (HMO) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by Aetna Medicare Signature Extra (HMO) with no coinsurance. There is a $20 copay for cardiac rehabilitation, intensive cardiac rehabilitation, and supervised exercise therapy (SET) for peripheral artery disease (PAD) services, and a $15 copay for pulmonary rehabilitation services.
Skilled Nursing Facility (SNF) See details
Aetna Medicare Signature Extra (HMO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day inpatient hospital stay. There is no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100, though additional days beyond the standard Medicare limit are not covered.
Other Services See details
Other Services under the Aetna Medicare Signature Extra (HMO) are partially covered, providing annual wellness exams, screening mammography, and additional gFOBT and FIT screenings with no copay and no coinsurance. Acupuncture, over-the-counter (OTC) items, and meal benefits are not covered.
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