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Aetna Medicare Longevity (HMO I-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Aetna Medicare Longevity (HMO I-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Aetna Medicare Longevity (HMO I-SNP) in 2026, please refer to our full plan details page.
Aetna Medicare Longevity (HMO I-SNP) is a HMO I-SNP plan offered by CVS Health Corporation available for enrollment in 2025 to people living in Pennsylvania. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that Aetna Medicare Longevity (HMO I-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
Aetna Medicare Longevity (HMO I-SNP)is a Special Needs Type (SNP) plan. This means you can only enroll in this plan if you meet specific criteria. See our full plan details page for more information.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Aetna Medicare Longevity (HMO I-SNP).
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 Longevity (HMO I-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $32.70. 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 $9250.00 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 Longevity (HMO I-SNP) prescription drug plan features an annual drug deductible of $615. You will need to pay this deductible amount out of pocket for your covered medications before the plan begins to pay its share. Detailed drug tier information, including specific copays and coinsurance rates, is currently unavailable for this plan. To understand your exact prescription costs, it is recommended to review the plan's formulary or contact the provider directly.
Additional Benefits
The Aetna Medicare Longevity (HMO I-SNP) plan offers comprehensive medical coverage with no copay and no coinsurance for primary care, physical therapy, and home health services. For specialist visits, outpatient care, and durable medical equipment, members generally pay no copay and a 20% coinsurance. Emergency room visits require a $115 copay, which is waived if admitted, while inpatient hospital stays are subject to standard Medicare-defined copayments and deductibles. In addition to medical care, the plan provides robust supplemental benefits, including dental coverage up to $2,000 annually and eyewear up to $250 with no copay or coinsurance. Members also benefit from a $255 quarterly over-the-counter allowance and up to $750 per ear for prescription hearing aids with no copay. Skilled nursing facility stays for the first 100 days are also fully covered with no copay and no coinsurance.
Inpatient Hospital See details
Aetna Medicare Longevity (HMO I-SNP) covers inpatient acute and psychiatric hospital stays with no coinsurance, subject to Medicare-defined copayments and deductibles. Prior authorization is required, and additional days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services covered by Aetna Medicare Longevity (HMO I-SNP) require no copay, with coinsurance ranging from 0% to 20% depending on the care received. This coverage includes outpatient hospital, ambulatory surgical center, outpatient substance abuse, and blood services, which all feature no copay and up to 20% coinsurance.
Partial Hospitalization See details
Partial hospitalization is covered by Aetna Medicare Longevity (HMO I-SNP) with prior authorization required. Depending on the service, you will pay either a $110 copay with no coinsurance or no copay with 20% coinsurance.
Ambulance and Transportation Services See details
Ambulance services are covered by Aetna Medicare Longevity (HMO I-SNP) with a 20% coinsurance and no copay for ground and air transportation, subject to prior authorization. Non-emergency transportation services, including trips to plan-approved or any health-related locations, are not covered.
Emergency Services See details
Aetna Medicare Longevity (HMO I-SNP) 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 are covered with a $40 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are not covered.
Primary Care See details
Aetna Medicare Longevity (HMO I-SNP) covers primary care physician, occupational therapy, and physical and speech therapy services with no copay and no coinsurance. Specialist visits, mental health, psychiatric, telehealth, opioid treatment, and up to six routine podiatry visits annually are covered with no copay and a 20% coinsurance, while chiropractic services are not covered.
Preventive Services See details
Aetna Medicare Longevity (HMO I-SNP) covers Medicare-approved preventive services, kidney disease education, and up to 30 alternative therapy visits with no copay and no coinsurance. However, this benefit is only partially covered as annual physical exams and most other supplemental services, such as fitness benefits and health education, are not covered.
Hearing Services See details
Hearing services are partially covered by Aetna Medicare Longevity (HMO I-SNP), which offers one annual routine hearing exam with no copay and 20% coinsurance, and one fitting evaluation with no copay or coinsurance. Up to two prescription hearing aids are covered per year with no copay or coinsurance up to $750 per ear, though OTC hearing aids and inner ear, outer ear, or over-the-ear prescription models are not covered.
Vision Services See details
Aetna Medicare Longevity (HMO I-SNP) covers vision services, including one annual routine eye exam with no copay and a 20% coinsurance, and follow-up diabetic exams with no copay and no coinsurance. Eyewear, including contacts and eyeglasses, is covered with no copay, no coinsurance, and no deductible up to a $250 combined annual maximum.
Dental Services See details
Dental services are partially covered by Aetna Medicare Longevity (HMO I-SNP), featuring a $2,000 yearly maximum with no copay and no coinsurance for most preventive and comprehensive services, though Medicare-covered dental services require a 20% coinsurance and no copay. Maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Aetna Medicare Longevity (HMO I-SNP) covers home infusion bundled services with no copay and no coinsurance, though prior authorization is required. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs carry a 0% to 20% coinsurance with no copay, while Part B insulin is covered with a $35 copay and no coinsurance.
Dialysis Services See details
Dialysis Services are covered by Aetna Medicare Longevity (HMO I-SNP) with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Aetna Medicare Longevity (HMO I-SNP) covers medical equipment, including durable medical equipment, prosthetics, and diabetic supplies, with no copay and a 20% coinsurance. Prior authorization is required for these covered services.
Diagnostic and Radiological Services See details
Aetna Medicare Longevity (HMO I-SNP) covers diagnostic and radiological services, with prior authorization required for all services. Diagnostic procedures require a copay with no coinsurance, lab services feature no copay, and diagnostic radiological services have no copay and no coinsurance. Outpatient X-rays and therapeutic radiological services are covered with a 20% coinsurance and no copay.
Home Health Services See details
Aetna Medicare Longevity (HMO I-SNP) covers home health services with no copay and no coinsurance. Prior authorization is required to receive these covered services.
Cardiac Rehabilitation Services See details
Aetna Medicare Longevity (HMO I-SNP) covers Cardiac Rehabilitation Services with no copay, though prior authorization is required. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered and carry a 20% coinsurance.
Skilled Nursing Facility (SNF) See details
Aetna Medicare Longevity (HMO I-SNP) covers Skilled Nursing Facility (SNF) services for days 1 through 100 with no copay and no coinsurance, requiring a prior three-day inpatient hospital stay. Additional days beyond the standard Medicare-covered limit are not covered under this plan.
Other Services See details
Aetna Medicare Longevity (HMO I-SNP) partially covers other services, offering over-the-counter (OTC) items up to $255 every three months, annual wellness exams, screening mammographies, and additional gFOBT and FIT screenings with no copay and no coinsurance. Acupuncture and meal benefits are not covered under this plan.
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