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Aetna Medicare Signature (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Aetna Medicare Signature (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 (HMO-POS) in 2026, please refer to our full plan details page.
Aetna Medicare Signature (HMO-POS) is a HMO-POS plan offered by CVS Health Corporation available for enrollment in 2025 to people living in Northeastern and Youngstown Area. This plan received an overall rating of 3 out of 5 stars in 2026.
It's important to know that Aetna Medicare Signature (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 (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 (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 $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 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-POS) plan features a $500 prescription drug deductible. For Tier 1 (Preferred Generic) and Tier 2 (Generic) medications, you can benefit from no copay when using preferred retail pharmacies or preferred mail-order services. If you choose standard retail or standard mail-order pharmacies, Tier 1 copays start at $2 and Tier 2 copays start at $12 for a one-month supply. Higher-tier medications are subject to coinsurance rather than flat copays under this plan. Tier 3 (Preferred Brand) drugs require a 22% coinsurance, and Tier 4 (Non-Preferred) drugs require a 25% coinsurance across all pharmacy and mail-order options. Specialty medications in Tier 5 carry a 27% coinsurance for a one-month supply at both preferred and standard network pharmacies.
Additional Benefits
The Aetna Medicare Signature (HMO-POS) plan offers comprehensive medical coverage featuring no copays or coinsurance for primary care visits, preventive care, and routine annual exams. For hospital stays, members pay no coinsurance, with inpatient care requiring a daily copay of $325 for the first four days and no copay for days five through ninety. Emergency room visits carry a $115 copay, which is waived if admitted, while specialist visits range from no copay to a $40 copay. This plan also includes key coverage for dental, vision, and hearing services, providing routine exams with no copays or coinsurance. Supplemental benefits include an annual eyewear allowance of up to $325 and up to $1,250 per ear for prescription hearing aids with no copay. Additionally, members receive an over-the-counter benefit allowance of up to $105 every three months with no copay or coinsurance.
Inpatient Hospital See details
Aetna Medicare Signature (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a $325 daily copay for days 1 through 4 and no copay for days 5 through 90. Unlimited additional days are covered for acute stays with no copay, but upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Aetna Medicare Signature (HMO-POS) covers outpatient services with no coinsurance, including no copay for ambulatory surgical center and outpatient blood services. Outpatient hospital services carry a copay ranging from no copay to $325, observation services require a $325 copay per stay, and outpatient substance abuse sessions have a $40 copay.
Partial Hospitalization See details
Aetna Medicare Signature (HMO-POS) covers partial hospitalization services with a copay of either $40.00 or $110.00 and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
Aetna Medicare Signature (HMO-POS) covers ambulance services with prior authorization, requiring a $235 copay and no coinsurance for ground transport, and a 20% coinsurance and no copay for air transport. Transportation services to health-related locations are not covered.
Emergency Services See details
Aetna Medicare Signature (HMO-POS) covers emergency services with a $115 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $40 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered up to a $250,000 maximum with no coinsurance and copays ranging from $115 to $235.
Primary Care See details
Primary care benefits under Aetna Medicare Signature (HMO-POS) feature no copay and no coinsurance for primary care visits, and a $0 to $40 copay with no coinsurance for specialists. For chiropractic services, some services are covered but routine chiropractic care and other chiropractic services are not covered. Other specialty, therapy, and psychiatric services have copays ranging from $35 to $40 with no coinsurance, while telehealth services require a $0 to $40 copay and 20% coinsurance.
Preventive Services See details
Aetna Medicare Signature (HMO-POS) provides partially covered preventive services, featuring no copay and no coinsurance for annual physical exams, health education, fitness benefits, and select screenings, though kidney disease education requires a 20% coinsurance with no copay. Several supplemental services are not covered, including weight management, medical nutrition therapy, in-home safety assessments, and personal emergency response systems.
Hearing Services See details
Hearing services are covered by Aetna Medicare Signature (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 partially covered with no copay or coinsurance up to $1,250 per ear annually, but OTC hearing aids as well as inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
Vision services are covered under the Aetna Medicare Signature (HMO-POS) plan with no deductibles and no coinsurance. Eye exams carry a copay of $0 to $40 (with no copay for annual routine exams), and eyewear is covered with no copay up to a $325 annual limit.
Dental Services See details
Aetna Medicare Signature (HMO-POS) offers partial coverage for dental services, featuring a $40 copay and no coinsurance for Medicare-covered dental, and no copay or coinsurance for preventive cleanings, exams, and x-rays. Comprehensive services are covered with no copay and 20% to 50% coinsurance up to a $1,500 annual maximum, though other diagnostic services, fluoride, implants, maxillofacial prosthetics, and orthodontics are not covered.
Home Infusion bundled Services See details
Aetna Medicare Signature (HMO-POS) covers home infusion bundled services with no copay, subject to prior authorization. Under this plan, Medicare Part B insulin drugs require a $35 copay and no coinsurance, while other covered Part B drugs, including chemotherapy and radiation, have a coinsurance ranging from 0% to 20%.
Dialysis Services See details
Aetna Medicare Signature (HMO-POS) covers Dialysis Services with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Aetna Medicare Signature (HMO-POS) covers medical equipment, offering no copay for durable medical equipment (DME), prosthetics, and diabetic shoes, with coinsurance ranging from no coinsurance up to 20%. Prior authorization is required for these benefits, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
Aetna Medicare Signature (HMO-POS) covers diagnostic and radiological services, requiring prior authorization for both. Diagnostic services have no coinsurance with copays ranging from $0 to $45 (including no copay for lab services), while radiological services feature no copays for X-rays and diagnostic radiology, and a minimum 20% coinsurance for therapeutic services.
Home Health Services See details
Home health services are covered under the Aetna Medicare Signature (HMO-POS) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by Aetna Medicare Signature (HMO-POS) with no copay and no coinsurance. However, only some services are covered, as standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for peripheral artery disease (PAD) rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Aetna Medicare Signature (HMO-POS) covers skilled nursing facility (SNF) care with no coinsurance and does not require a prior three-day inpatient hospital stay. There is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, though prior authorization is required and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Aetna Medicare Signature (HMO-POS) partially covers other services with no copay and no coinsurance for over-the-counter (OTC) items up to $105 every three months, an annual wellness exam, and additional colorectal screenings. Acupuncture and meal benefits are not covered under this plan.
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