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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 Maricopa, Pima and Pinal 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 $4900.00 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 Enhanced Alternative drug benefit with a $615.00 prescription drug deductible. Once the deductible is met, Tier 1 preferred generic drugs are available with no copay through preferred pharmacies or preferred mail order, while standard options require a $12.00 copay. For Tier 2 standard generic drugs, you will pay a 24% coinsurance across all pharmacy and mail-order channels. Tier 3 preferred brands and Tier 4 non-preferred drugs both carry a 25% coinsurance at all participating pharmacies. After your total yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and will pay nothing for covered Part D drugs. Individuals who qualify for the low-income subsidy may also see their Part D premium reduced to $0.00.
Additional Benefits
The Aetna Medicare Signature Extra (HMO) plan offers comprehensive medical coverage featuring no copay and no coinsurance for primary care visits, while specialist visits require a $45 copay. For hospital stays, members pay a daily copay of $350 for the first seven days of acute inpatient care, with no copay for subsequent days. Emergency care is accessible with a $130 copay, and urgent care carries a $50 copay, both with no coinsurance. Vision and routine hearing services are highly accessible with no copay or coinsurance, including up to a $1,000 annual maximum per ear for prescription hearing aids and a $100 annual limit for eyewear. Preventive dental services also feature no copay, while other covered dental procedures require either a $45 copay or up to 50% coinsurance. Please note that certain benefits, such as over-the-counter items, meal benefits, and cardiac rehabilitation, are not covered under this plan.
Inpatient Hospital See details
Inpatient hospital benefits are partially covered by Aetna Medicare Signature Extra (HMO), featuring a daily copay of $350 for days 1 to 7 of acute stays and $370 for days 1 to 5 of psychiatric stays, with no copay for subsequent days and no coinsurance. Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered by the plan.
Outpatient Services See details
Aetna Medicare Signature Extra (HMO) covers outpatient services with no coinsurance, including no copay for ambulatory surgical center and blood services. Copays for other services include $40 for outpatient substance abuse sessions, $350 per stay for observation services, and between $0 and $350 for outpatient hospital services.
Partial Hospitalization See details
Aetna Medicare Signature Extra (HMO) covers partial hospitalization services with copays ranging from $55.00 to $145.00 and no coinsurance. Prior authorization is required for these covered benefits.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by Aetna Medicare Signature Extra (HMO), with transportation services to plan-approved or any health-related locations not covered. Covered ground ambulance services require a $315 copay, and air ambulance services carry a 20% coinsurance, with prior authorization required for all ambulance services.
Emergency Services See details
Aetna Medicare Signature Extra (HMO) covers emergency services with a $130 copay and no coinsurance, and urgently needed services with a $50 copay and no coinsurance. Worldwide emergency and urgent services, including transportation, are also covered up to a $250,000 limit with copays ranging from $130 to $315 and no coinsurance.
Primary Care See details
Primary care benefits are partially covered by Aetna Medicare Signature Extra (HMO), featuring no copay and no coinsurance for primary care physician visits, and a $45 copay with no coinsurance for specialists. Telehealth services require a 20% coinsurance and a $0 to $50 copay, while podiatry and routine chiropractic care are not covered.
Preventive Services See details
Preventive services are partially covered by Aetna Medicare Signature Extra (HMO), with most covered benefits like annual physicals and fitness programs requiring no copay and no coinsurance, while kidney disease education has a 20% coinsurance and no copay. Sub-services that are not covered under this plan include in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, readmission prevention, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, disease management, telemonitoring, home safety modifications, and counseling.
Hearing Services See details
Aetna Medicare Signature Extra (HMO) partially covers hearing services, offering no copay and no coinsurance for routine hearing exams, fitting evaluations, and prescription hearing aids with a $1,000 annual maximum per ear. OTC hearing aids, as well as 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 copays, no coinsurance, and no deductibles, including one routine eye exam per year and unlimited diabetic eye exams. Covered eyewear, such as glasses and contacts, also features no copay or coinsurance up to a combined maximum benefit of $100 annually.
Dental Services See details
Dental services are partially covered by Aetna Medicare Signature Extra (HMO), excluding fluoride treatment, maxillofacial prosthetics, implant services, and orthodontics. Covered preventive services feature no copay and no coinsurance, while other covered dental services require either a $45 copay and no coinsurance, or no copay and a 20% to 50% coinsurance up to a $1,250 annual maximum.
Home Infusion bundled Services See details
Aetna Medicare Signature Extra (HMO) covers home infusion bundled services with prior authorization, offering Medicare Part B insulin at a $35 copay and no coinsurance. Chemotherapy, radiation, and other Part B drugs are covered with no copay and a coinsurance ranging from no coinsurance up to 20%.
Dialysis Services See details
Dialysis Services are covered by Aetna Medicare Signature Extra (HMO) with 20% coinsurance and no copay. Prior authorization is required to receive these covered services.
Medical Equipment See details
Medical equipment benefits are covered by Aetna Medicare Signature Extra (HMO) and require prior authorization. Durable medical equipment, prosthetics, and medical or diabetic supplies require no copay and up to 20% coinsurance (flat 20% for prosthetic devices), while diabetic shoes and inserts feature no copay and no coinsurance.
Diagnostic and Radiological Services See details
Aetna Medicare Signature Extra (HMO) covers diagnostic and radiological services with prior authorization required. Members will pay no copay or coinsurance for lab and outpatient X-ray services, a $0 to $40 copay with no coinsurance for diagnostic procedures, up to a $225 copay with no coinsurance for diagnostic radiology, and a 20% coinsurance with no copay for therapeutic radiology.
Home Health Services See details
Home Health Services are covered under the Aetna Medicare Signature Extra (HMO) plan with no copay and no coinsurance. Please note that prior authorization is required to access these benefits.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the Aetna Medicare Signature Extra (HMO) plan, as none of the individual sub-services, including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation, are covered in practice.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is partially covered by Aetna Medicare Signature Extra (HMO), requiring a $10 daily copay for days 1 to 20 and a $218 daily copay for days 21 to 100, with no coinsurance. Prior authorization is required, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Aetna Medicare Signature Extra (HMO) partially covers Other Services, providing no copay and no coinsurance for annual wellness exams, screening mammography, and additional gFOBT and FIT. Acupuncture, over-the-counter (OTC) items, meal benefits, and Dual Eligible SNPs with Highly Integrated Services are not covered.
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