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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 2025, 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 4.5 out of 5 stars in 2025.
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 $48.40. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $1.50. You must continue to pay paying your reduced 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 $590.00 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 $9350.00 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) plan has a defined standard for drug coverage. You will pay a deductible of $590 before your drug coverage begins. If you qualify for the low-income subsidy (LIS), your monthly premium will be $48.40. After you pay your deductible, you will enter the initial coverage phase, and you will pay the costs for drugs in each tier until your total drug costs reach $2000. Once you reach that amount, you will enter the next coverage phase. In the catastrophic coverage phase, you pay nothing for Medicare Part D covered drugs after your yearly out-of-pocket drug costs reach $2000.
Additional Benefits
The Aetna Medicare Longevity (HMO I-SNP) plan offers a range of benefits, including coverage for outpatient services, emergency services, and various therapies with varying cost-sharing. Many services, such as primary care, home health, and some dental services, have no copay, while others involve coinsurance, such as hearing, vision, and some outpatient services. The plan also provides coverage for medical equipment, home infusion, and dialysis services. The plan includes additional benefits, such as transportation to health-related locations with no copay for up to 30 one-way trips per year, and coverage for OTC items with a quarterly allowance. Dental services include coverage for preventative services with no copay, and other services with a yearly maximum. However, some services, like worldwide emergency services, cardiac rehabilitation, and certain other therapies and screenings, are not covered.
Inpatient Hospital See details
Inpatient Hospital benefits are covered, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, but the specific cost-sharing details are not provided. Additional days, non-Medicare-covered stays, and upgrades for Inpatient Hospital-Acute and Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services are covered, including outpatient hospital services, observation services, ambulatory surgical center (ASC) services, outpatient substance abuse services, and outpatient blood services. Outpatient Hospital Services have a coinsurance of 0% - 20%, Observation Services have a 20% coinsurance, Ambulatory Surgical Center (ASC) Services have a coinsurance between 0% and 20%, Individual and Group Sessions for Outpatient Substance Abuse have a coinsurance of 20%, and Outpatient Blood Services have a 20% coinsurance.
Partial Hospitalization See details
Aetna Medicare Longevity (HMO I-SNP) covers partial hospitalization with a 20% coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by Aetna Medicare Longevity (HMO I-SNP), including ground and air ambulance services with a 20% coinsurance. Transportation services to plan-approved health-related locations are also covered, with no copay, but are limited to 30 one-way trips per year. Transportation services to any health-related location is not covered.
Emergency Services See details
Emergency Services are covered under the Aetna Medicare Longevity (HMO I-SNP) plan. Emergency services have a copay of $110, while urgently needed services have a copay of $45; both have no coinsurance. Worldwide Emergency Services are not covered.
Primary Care See details
The Aetna Medicare Longevity (HMO I-SNP) plan covers primary care physician services with no copay, chiropractic services with 20% coinsurance, occupational therapy services with no coinsurance and no copay, physician specialist services with 0% to 20% coinsurance, and mental health specialty services with 20% coinsurance for individual and group sessions. This plan also covers podiatry services, other health care professional services, psychiatric services, physical therapy and speech-language pathology services with no copay, additional telehealth benefits with 20% coinsurance, and opioid treatment program services with 20% coinsurance. Routine chiropractic care is not covered.
Preventive Services See details
Preventive services are covered, but annual physical exams, health education, in-home safety assessments, a personal emergency response system, medical nutrition therapy, post-discharge in-home medication reconciliation, re-admission prevention, wigs for hair loss related to chemotherapy, weight management programs, therapeutic massage, adult day health services, nutritional/dietary benefits, home-based palliative care, in-home support services, support for caregivers of enrollees, additional sessions of smoking and tobacco cessation counseling, fitness benefits, enhanced disease management, telemonitoring services, remote access technologies, home and bathroom safety devices and modifications, and counseling services are not covered. Alternative therapies, kidney disease education services, glaucoma screenings, diabetes self-management training, barium enemas, digital rectal exams, and EKGs following a welcome visit have no copay.
Hearing Services See details
Hearing Services include Routine Hearing Exams and Fitting/Evaluation for Hearing Aids with no copay, and a coinsurance of at most 20% for Routine Hearing Exams. Prescription Hearing Aids (all types) are covered with no copay, and a maximum plan benefit of $750 per year. OTC Hearing Aids are not covered.
Vision Services See details
Vision Services include coverage for eye exams and eyewear. Eye exams have a 20% coinsurance, while routine eye exams and other eye exam services have no copay. Eyewear, including contact lenses, eyeglasses, eyeglass lenses, eyeglass frames, and upgrades, have no copay, and a combined maximum benefit of $250 per year.
Dental Services See details
Dental services include coverage for Medicare Dental Services with 20% coinsurance, and other dental services with a $3,500 maximum per year. Oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), fluoride treatment, and other preventive dental services are covered with no copay. Restorative services, endodontics, periodontics, prosthodontics (removable and fixed), and oral and maxillofacial surgery are covered with no copay, but have visit limits. Maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, and require prior authorization. Medicare Part B Insulin Drugs have a $35 copay, while Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered by the Aetna Medicare Longevity (HMO I-SNP) plan. The coinsurance for Dialysis Services is 20%.
Medical Equipment See details
Medical Equipment is covered, including Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment. DME has a 20% coinsurance, and is covered. Prosthetic Devices and Diabetic Supplies have a 20% coinsurance. Medical Supplies have a 20% coinsurance, and Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance. Durable Medical Equipment for use outside the home is not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered. Diagnostic Procedures/Tests and Diagnostic Radiological Services have a coinsurance of up to 20%, while Therapeutic Radiological Services and Outpatient X-Ray Services have a 20% coinsurance. Lab Services have no copay.
Home Health Services See details
Home Health Services are covered by Aetna Medicare Longevity (HMO I-SNP) with no copay and no coinsurance, but additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the Aetna Medicare Longevity (HMO I-SNP) plan. Prior authorization is required for this benefit.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Aetna Medicare Longevity (HMO I-SNP) plan, but the details of the cost sharing are not provided. Additional days beyond Medicare-covered for SNF, and non-Medicare-covered stays for SNF are not covered.
Other Services See details
Other Services includes coverage for Over-the-Counter (OTC) Items and Other 1 and Other 2 services. Acupuncture, Meal Benefits, Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services are not covered. Over-the-Counter (OTC) Items have no copay and a maximum plan benefit coverage amount of $390 every three months. Other 1 services include annual wellness exams and screening mammography, and Other 2 services include gFOBT and FIT; both have no copay.
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