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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 Colorado. 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 $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 $6750.00 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 has an annual prescription drug deductible of $615. For Tier 1 preferred generics and Tier 2 generics, you will pay no copay when using a preferred pharmacy or preferred mail-order service. If you choose a standard pharmacy or standard mail-order service, copays range from $2 to $6 for Tier 1 and $12 to $36 for Tier 2 depending on the supply fill. For higher-tier medications, costs transition to coinsurance across all pharmacy and mail-order options. Tier 3 preferred brand drugs have a 24% coinsurance, while Tier 4 non-preferred drugs and Tier 5 specialty drugs require a 25% coinsurance. Specialty medications are limited to a 1-month supply under these cost-sharing terms.
Additional Benefits
The Aetna Medicare Signature (HMO-POS) plan provides robust coverage for essential medical services with clear, predictable copays and no coinsurance for many primary treatments. Doctor visits require a low $10 copay for primary care, while specialist visits range from no copay to a $45 copay. For hospital care, inpatient stays feature a $350 daily copay for the first seven days followed by no copay, and emergency room visits require a $130 copay which is waived if you are admitted. Beyond basic medical care, this plan offers excellent supplemental benefits for dental, vision, and hearing services to reduce your out-of-pocket expenses. Routine eye and hearing exams are available with no copay, and the plan provides up to $1,250 per ear annually for prescription hearing aids and a $100 annual limit for eyewear. Preventive dental care requires no copay, while comprehensive dental services are covered with coinsurance ranging from 20% to 50% up to a $750 annual maximum.
Inpatient Hospital See details
Aetna Medicare Signature (HMO-POS) covers inpatient acute hospital stays with no coinsurance, a $350 daily copay for days 1-7, and no copay for unlimited additional days. Inpatient psychiatric care is also covered with no coinsurance and a $370 daily copay for days 1-5, then no copay for days 6-90, though upgrades and non-Medicare-covered stays are not covered. Prior authorization is required for these services.
Outpatient Services See details
Aetna Medicare Signature (HMO-POS) covers outpatient services with no coinsurance, featuring a copay ranging from $0 to $350 for outpatient hospital and observation services and a $40 copay for outpatient substance abuse sessions. Ambulatory surgical center and outpatient blood services are available with no copay and no coinsurance.
Partial Hospitalization See details
Partial hospitalization is covered by Aetna Medicare Signature (HMO-POS) with a copay of either $55.00 or $145.00 and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by Aetna Medicare Signature (HMO-POS), with ground ambulance services requiring a $265 copay and no coinsurance, and air ambulance services requiring a 20% coinsurance and no copay. Prior authorization is required for ambulance services, and while transportation is technically covered, routine trips to plan-approved or any health-related locations are not covered.
Emergency Services See details
Aetna Medicare Signature (HMO-POS) covers emergency services with a $130 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 benefit with no coinsurance and copays ranging from $130 to $265.
Primary Care See details
Aetna Medicare Signature (HMO-POS) covers primary care visits for a $10 copay and specialist visits for no copay to a $45 copay, with no coinsurance for either. Physical, occupational, and mental health services require copays of $40 to $45 with no coinsurance, though podiatry is not covered and some chiropractic services are covered but routine and other chiropractic services are not.
Preventive Services See details
Aetna Medicare Signature (HMO-POS) partially covers preventive services, offering annual physicals, health education, and select screenings with no copay and no coinsurance, while kidney disease education has no copay and a 20% coinsurance. Supplemental services such as medical nutrition therapy, personal emergency response systems, and weight management programs are not covered.
Hearing Services See details
Aetna Medicare Signature (HMO-POS) hearing services feature no copay, no coinsurance, and no deductible for routine exams and fitting evaluations. Prescription hearing aids are partially covered with no copay or coinsurance up to $1,250 per ear every year, though inner ear, outer ear, over the ear, and OTC hearing aids are not covered.
Vision Services See details
Aetna Medicare Signature (HMO-POS) covers vision services with no copay and no coinsurance for both eye exams and eyewear. This benefit includes one routine eye exam per year and up to a $100 annual combined limit for contact lenses, eyeglasses, lenses, frames, and upgrades.
Dental Services See details
Aetna Medicare Signature (HMO-POS) partially covers dental services, excluding fluoride, implants, orthodontics, maxillofacial prosthetics, other diagnostic, and other preventive dental services. Preventive care has no copay and no coinsurance, Medicare-covered dental requires a $45 copay and no coinsurance, and covered comprehensive services have no copay and 20% to 50% coinsurance up to a $750 annual limit.
Home Infusion bundled Services See details
Home infusion bundled services are covered by Aetna Medicare Signature (HMO-POS) with no copay, though prior authorization is required. Additionally, Medicare Part B insulin drugs carry a $35 copay with no coinsurance, while other Part B chemotherapy, radiation, and clinical drugs require a 0% to 20% coinsurance.
Dialysis Services See details
Aetna Medicare Signature (HMO-POS) covers Dialysis Services with no copay and a 20% coinsurance, although prior authorization is required.
Medical Equipment See details
Medical equipment is covered by Aetna Medicare Signature (HMO-POS) with no copay, requiring prior authorization and carrying a coinsurance of 0% to 20% depending on the item. This benefit includes durable medical equipment, prosthetics, medical supplies, and diabetic equipment, with diabetic supplies limited to specified manufacturers.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by Aetna Medicare Signature (HMO-POS), with prior authorization required. Diagnostic services feature no coinsurance, offering no copay for lab services and a $0 to $20 copay for diagnostic procedures, while radiological services require a $20 copay and coinsurance for X-rays, a $0 minimum copay for diagnostic radiology, and a minimum 20% coinsurance and copay for therapeutic radiology.
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 coinsurance, but some services are covered while standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by Aetna Medicare Signature (HMO-POS) with no coinsurance, featuring no copay for days 1 to 20 and a $218 daily copay for days 21 to 100. Prior authorization is required, a prior three-day hospital stay is not necessary before admission, and additional days beyond the standard 100 days are not covered.
Other Services See details
Aetna Medicare Signature (HMO-POS) partially covers other services, offering a chronic illness meal benefit, annual wellness exams, screening mammographies, and additional gFOBT and FIT screenings with no copay and no coinsurance. Acupuncture, over-the-counter (OTC) items, and dual eligible SNPs with highly integrated services are not covered under this plan.
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