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Aetna Medicare Signature Care (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Aetna Medicare Signature Care (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 Care (HMO-POS) in 2026, please refer to our full plan details page.
Aetna Medicare Signature Care (HMO-POS) is a HMO-POS plan offered by CVS Health Corporation available for enrollment in 2025 to people living in Tidewater and Surrounding Area. This plan received an overall rating of 3 out of 5 stars in 2026.
It's important to know that Aetna Medicare Signature Care (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 Care (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 Care (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 $6750.00 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 Care (HMO-POS)
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Drug Coverage
The Aetna Medicare Signature Care (HMO-POS) plan has an annual drug deductible of $615. For Tier 1 preferred generic and Tier 2 generic medications, you will pay no copay when using preferred pharmacies or preferred mail order services. If you use standard pharmacies or standard mail order, Tier 1 copays start at $2 and Tier 2 copays start at $12 for a one-month supply. Brand-name and specialty drugs under this plan are subject to coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 24% coinsurance, while Tier 4 non-preferred drugs and Tier 5 specialty drugs require a 25% coinsurance across all pharmacy and mail order options. Specialty tier prescriptions are limited to a one-month supply.
Additional Benefits
The Aetna Medicare Signature Care (HMO-POS) plan offers comprehensive medical coverage with no copay and no coinsurance for primary care visits, preventive screenings, and home health services. Specialist doctor visits require a copay ranging from $10 to $40, while acute inpatient hospital stays require a $372 daily copay for the first eight days before transitioning to no copay. Emergency room visits carry a $130 copay, which is waived upon hospital admission, and urgent care has a $50 copay. For ancillary care, the plan features no copay for routine dental, vision, and hearing exams, plus a $1,000 annual allowance per ear for prescription hearing aids and $100 yearly for eyewear. Comprehensive dental care is covered with no copay and 20% to 50% coinsurance up to a $1,000 annual limit, while members also receive a $30 allowance every three months for over-the-counter items. Additionally, diagnostic lab tests and outpatient X-rays are fully covered with no copay or coinsurance.
Inpatient Hospital See details
Inpatient Hospital care under Aetna Medicare Signature Care (HMO-POS) is covered with no coinsurance, though prior authorization is required. For acute hospital stays, there is a copay of $372 per day for days 1 to 8 and no copay for additional days, while psychiatric stays require a copay of $292 per day for days 1 to 5 and no copay for days 6 to 90. Non-Medicare-covered stays, upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by Aetna Medicare Signature Care (HMO-POS) with no coinsurance, featuring no copay for ambulatory surgical center and outpatient blood services. Outpatient hospital services require a copay of $0 to $372, observation services require a $372 copay per stay, and outpatient substance abuse services require a $40 copay per session.
Partial Hospitalization See details
Aetna Medicare Signature Care (HMO-POS) covers partial hospitalization services with a copay of $140.00 or $145.00 and no coinsurance. Prior authorization is required for these benefits.
Ambulance and Transportation Services See details
Aetna Medicare Signature Care (HMO-POS) covers ground ambulance services with a $275 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay, with prior authorization required. For transportation, some services are covered, but transportation to plan-approved health-related locations and any health-related locations is not covered.
Emergency Services See details
Aetna Medicare Signature Care (HMO-POS) covers emergency services with a $130 copay and no coinsurance, which is waived if admitted to the hospital within 24 hours, and urgently needed services with a $50 copay and no coinsurance. Worldwide emergency, urgent, and transportation services are also covered with no coinsurance and copays ranging from $130 to $275, up to a maximum benefit limit of $250,000.
Primary Care See details
Aetna Medicare Signature Care (HMO-POS) provides primary care physician services with no copay and no coinsurance, while specialist visits require a $10 to $40 copay and no coinsurance. Other covered benefits like physical, occupational, and mental health therapies have a $25 copay and no coinsurance, whereas podiatry is not covered and chiropractic services are only partially covered as routine and other chiropractic services are excluded. Telehealth options are also available with a $0 to $50 copay and 20% coinsurance.
Preventive Services See details
Preventive Services are partially covered under Aetna Medicare Signature Care (HMO-POS), offering no copay and no coinsurance for annual physicals and screenings, though kidney disease education requires a 20% coinsurance and no copay. Uncovered sub-services include In-Home Safety Assessments, Personal Emergency Response Systems, Medical Nutrition Therapy, post-discharge medication reconciliation, re-admission prevention, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, enhanced disease management, telemonitoring, home and bathroom safety devices, and counseling.
Hearing Services See details
Hearing services are partially covered by Aetna Medicare Signature Care (HMO-POS), featuring a $40 copay and no coinsurance for Medicare-covered exams, and no copay or coinsurance for annual routine exams and fitting evaluations. Prescription hearing aids are covered up to $1,000 per ear annually with no copay or coinsurance, 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 Care (HMO-POS) covers vision services with no coinsurance, offering eye exams with a copay ranging from no copay to $40, including one routine exam per year with no copay. Eyewear, including contacts and eyeglasses, is also covered with no copay and no coinsurance up to a combined maximum of $100 per year.
Dental Services See details
Aetna Medicare Signature Care (HMO-POS) features partially covered dental services, offering preventive care with no copay and no coinsurance, and comprehensive treatments with no copay and 20% to 50% coinsurance up to a $1,000 yearly limit. Medicare-covered dental has a $40 copay and no coinsurance, while fluoride, implants, orthodontics, maxillofacial prosthetics, other diagnostic, and other preventive dental services are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by Aetna Medicare Signature Care (HMO-POS) with no copay, though prior authorization is required. Under this benefit, Medicare Part B insulin drugs require a $35 copay and no coinsurance, while Part B chemotherapy and other Part B drugs have a 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the Aetna Medicare Signature Care (HMO-POS) plan with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Aetna Medicare Signature Care (HMO-POS) covers medical equipment, including durable medical equipment (DME), prosthetics, and medical supplies, with no copay and coinsurance ranging from 0% to 20%. Diabetic supplies are covered with 0% to 20% coinsurance, while diabetic therapeutic shoes and inserts have no copay, though prior authorization and manufacturer limits apply.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under Aetna Medicare Signature Care (HMO-POS) with prior authorization required. Lab services, outpatient X-rays, and diagnostic radiological services have no copay or coinsurance, while diagnostic procedures and tests have a $0 to $100 copay with no coinsurance, and therapeutic radiological services require a 20% coinsurance.
Home Health Services See details
Home health services are covered by Aetna Medicare Signature Care (HMO-POS) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Aetna Medicare Signature Care (HMO-POS) covers some Cardiac Rehabilitation Services with no coinsurance, but sub-services such as intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD are not covered in practice and require copays ranging from $15 to $25.
Skilled Nursing Facility (SNF) See details
Aetna Medicare Signature Care (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring a $10 daily copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, a prior three-day hospital stay is not required, and additional days beyond Medicare-covered days are not covered.
Other Services See details
Aetna Medicare Signature Care (HMO-POS) partially covers other services with no copay and no coinsurance, including annual wellness exams, screening mammography, additional gFOBT and FIT, and up to $30 every three months for over-the-counter items. Acupuncture and meal benefits are not covered under this plan.
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