A non-government entity
Aetna Medicare Signature (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Aetna Medicare Signature (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 (HMO) in 2026, please refer to our full plan details page.
Aetna Medicare Signature (HMO) is a HMO plan offered by CVS Health Corporation available for enrollment in 2025 to people living in Clark and Nye Counties. This plan received an overall rating of 3 out of 5 stars in 2026.
It's important to know that Aetna Medicare Signature (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 (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 (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 $3400.00 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 (HMO)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
The Aetna Medicare Signature (HMO) prescription drug plan features an annual drug deductible of $615. For Tier 1 (Preferred Generic) and Tier 2 (Generic) drugs, you will pay no copay when using a preferred pharmacy or preferred mail-order service. Standard pharmacies and standard mail-order services charge a copay for these generics, which starts at $2 for Tier 1 and $12 for Tier 2 for a 1-month supply. For higher-tier prescriptions, coverage shifts to a percentage-based coinsurance across all pharmacy options. Tier 3 (Preferred Brand) medications require a 24% coinsurance, while Tier 4 (Non-Preferred) and Tier 5 (Specialty) drugs require a 25% coinsurance. Specialty drugs under Tier 5 are limited to a 1-month supply.
Additional Benefits
The Aetna Medicare Signature (HMO) plan offers robust coverage for essential medical services with predictable out-of-pocket costs. You will enjoy no copays for primary care physician visits, annual physicals, home health care, and routine hearing and vision exams. For inpatient hospital stays, the plan features no coinsurance but requires daily copays for the first several days before transitioning to no copays for longer stays. Specialist visits range from no copay to a $45 copay, and dental care is covered with no copays for preventive services alongside a 20% to 50% coinsurance for comprehensive care. The plan also includes no-copay coverage for diagnostic lab tests and up to $100 annually for eyewear, though it is important to note that transportation, cardiac rehabilitation, and over-the-counter items are not covered.
Inpatient Hospital See details
Inpatient hospital services are partially covered by Aetna Medicare Signature (HMO) with no coinsurance, though prior authorization is required. Acute stays require a $320 daily copay for days 1 through 6 and no copay for day 7 and beyond, while psychiatric stays require a $370 daily copay for days 1 through 5 and no copay for days 6 through 90; however, upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Aetna Medicare Signature (HMO) covers outpatient services with no coinsurance, featuring no copays for ambulatory surgical center and blood services. Outpatient hospital services require a copay of $0 to $300, observation services have a $320 copay per stay, and outpatient substance abuse sessions incur a $40 copay.
Partial Hospitalization See details
Partial hospitalization benefits are covered by Aetna Medicare Signature (HMO) with no coinsurance, though prior authorization is required. Depending on the service, you will pay a copay of either $55 or $180.
Ambulance and Transportation Services See details
Aetna Medicare Signature (HMO) covers ambulance services with a $315 copay and no coinsurance for ground services, and a 20% coinsurance with no copay for air services, both of which require prior authorization. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Emergency Services are covered under the Aetna Medicare Signature (HMO) with a $150 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $50 copay and no coinsurance, while worldwide emergency services are covered up to a $250,000 maximum with no coinsurance and copays of $150 for emergency/urgent care and $315 for emergency transportation.
Primary Care See details
Primary care benefits under Aetna Medicare Signature (HMO) are partially covered, as chiropractic and podiatry services are not covered. Covered services include primary care physician visits with no copay and no coinsurance, specialist visits with no copay to a $45 copay and no coinsurance, and physical, occupational, and speech therapies for a $20 copay and no coinsurance. Mental health sessions require a $40 copay and no coinsurance, while telehealth options range from no copay to a $50 copay with 20% coinsurance.
Preventive Services See details
Preventive Services are covered by Aetna Medicare Signature (HMO) with no copay and no coinsurance for annual physicals, glaucoma screenings, and diabetes training, though kidney disease education requires a 20% coinsurance and no copay. Additional supplemental benefits are partially covered with no copay and no coinsurance for fitness, health education, and chemotherapy wigs, but sub-services such as weight management, nutritional benefits, personal emergency response systems, and in-home support are not covered.
Hearing Services See details
Aetna Medicare Signature (HMO) covers hearing exams and fitting evaluations with no copay, no coinsurance, and no deductible. Prescription hearing aids are partially covered with no copay or coinsurance up to a maximum of $1,000 per ear every year, though OTC, inner ear, outer ear, and over-the-ear hearing aids are not covered.
Vision Services See details
Aetna Medicare Signature (HMO) covers vision services with no copay and no coinsurance for both eye exams and eyewear, with no deductibles. Covered benefits include one routine eye exam per year and a combined maximum allowance of $100 annually for eyewear, including contact lenses, frames, and lenses.
Dental Services See details
Aetna Medicare Signature (HMO) partially covers dental services, offering Medicare-covered dental for a $45 copay and no coinsurance, and preventive care like cleanings and exams with no copay and no coinsurance. Covered comprehensive services require no copay and 20% to 50% coinsurance, though other diagnostic services, fluoride, other preventive services, maxillofacial prosthetics, implants, and orthodontics are not covered.
Home Infusion bundled Services See details
Aetna Medicare Signature (HMO) covers home infusion bundled services with no copay, 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 Medicare Part B insulin is covered with a $35 copay and no coinsurance.
Dialysis Services See details
Dialysis Services are covered under the Aetna Medicare Signature (HMO) with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
Medical equipment is covered by Aetna Medicare Signature (HMO), featuring no copay and coinsurance ranging from no coinsurance up to 20% for durable medical equipment (DME), medical supplies, and diabetic supplies. Prosthetic devices require no copay and a 20% coinsurance, while diabetic therapeutic shoes and inserts are covered with no copay.
Diagnostic and Radiological Services See details
Aetna Medicare Signature (HMO) covers diagnostic and radiological services, with prior authorization required for both. Outpatient diagnostic tests, lab services, and diagnostic radiology have no copay and no coinsurance, while therapeutic radiological services require a 20% coinsurance.
Home Health Services See details
Home Health Services are covered under the Aetna Medicare Signature (HMO) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the Aetna Medicare Signature (HMO) plan, as cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are all excluded from coverage.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by Aetna Medicare Signature (HMO) with no coinsurance, requiring a daily copay of $10 for days 1 through 20 and $218 for days 21 through 100. Prior authorization is required, a prior three-day hospital stay is not required for admission, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Aetna Medicare Signature (HMO) partially covers other services, offering annual wellness exams, screening mammographies, and additional gFOBT and FIT with no copay and no coinsurance. Acupuncture, over-the-counter (OTC) items, and meal benefits are not covered under this plan.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved