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Aetna Medicare Eagle (HMO-POS)

Benefits Summary and Overview

This page is a benefits summary and overview of key plan information for Aetna Medicare Eagle (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 Eagle (HMO-POS) in 2025, please refer to our full plan details page.

Aetna Medicare Eagle (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 3.5 out of 5 stars in 2025.

It's important to know that Aetna Medicare Eagle (HMO-POS) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.

Overview IconKey Plan Facts

Below are a few key facts and commonly-asked questions about Aetna Medicare Eagle (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 Eagle (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. Additionally, this plan comes with a Part B Premium reduction of $60.00. 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.

Drugs are not covered by this plan, so a prescription drug deductible is not applicable.

Out-of-Pocket Maximums

This plan has a Maximum Out-Of-Pocket cost of $5500.00 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:

Regular visits to your primary care doctor are covered and will have a copay of $0.00 and coinsurance of 0% (no coinsurance).

Specialist Visits:

Visits to specialists are covered and will have a copay of $35.00 and coinsurance of 0% (no coinsurance). Specialist visits may require a referral from your primary care doctor or prior authorization.

Emergency Room:

Trips to the Emergency Room are covered, and will have a copay of $125.00 and coinsurance of 0% (no coinsurance). Coverage may vary for in-network and out-of-network hospitals.

Urgent Care:

Trips to Urgent Care arecovered and will have a copay of $50.00 and coinsurance of 0% (no coinsurance). Coverage may vary for in-network and out-of-network hospitals.

Sign up for Aetna Medicare Eagle (HMO-POS)

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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 IconDrug Coverage

Prescription drugs are not covered by Aetna Medicare Eagle (HMO-POS).

Additional Benefits IconAdditional Benefits

The Aetna Medicare Eagle (HMO-POS) plan offers a wide range of benefits with varying costs. For inpatient hospital stays, you'll pay a copay, which depends on the type of stay and the length of stay. Outpatient services, primary care, and preventive services typically have no copay. This plan also includes coverage for hearing, vision, and dental services, often with no copay or low copays. Other covered services include emergency services, ambulance, home health, and skilled nursing facilities, with costs varying based on the service.

Inpatient Hospital See details

Inpatient Hospital benefits are covered, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric. For Inpatient Hospital-Acute, you will pay a $325 copay for days 1-6, and no copay for days 7-90; for Inpatient Hospital Psychiatric, you will pay a $370 copay for days 1-5, and no copay for days 6-90.

Outpatient Services See details

Outpatient Services are covered, including all outpatient hospital services, observation services, ambulatory surgical center services, outpatient substance abuse services, and outpatient blood services. Outpatient hospital services have a copay between $0 and $325, observation services have a $325 copay, ambulatory surgical center services have no copay, individual and group outpatient substance abuse sessions have a $40 copay, and outpatient blood services have no copay.

Partial Hospitalization See details

Partial Hospitalization is covered by the Aetna Medicare Eagle (HMO-POS) plan, with a $55 copay. Prior authorization is required for this benefit.

Ambulance and Transportation Services See details

Ambulance and Transportation Services are covered by the Aetna Medicare Eagle (HMO-POS) plan. Ground Ambulance Services have a copay of $245, and Air Ambulance Services have 20% coinsurance. Transportation Services to plan-approved or any health-related locations are not covered.

Emergency Services See details

Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by the Aetna Medicare Eagle (HMO-POS) plan. Emergency Services have a $125 copay, Urgently Needed Services have a $50 copay, and Worldwide Emergency Coverage and Urgent Coverage have a $125 copay, while Worldwide Emergency Transportation has a $245 copay.

Primary Care See details

The Aetna Medicare Eagle (HMO-POS) plan covers primary care physician services with no copay. Chiropractic services have a $20 copay, while occupational therapy services have a $35 copay.

Physician specialist services have a $35 copay, and physical therapy and speech-language pathology services have a $20 copay. Mental health and psychiatric services, as well as opioid treatment program services, have a $40 copay for individual or group sessions. Additional telehealth benefits have a 20% coinsurance and a copay between $0 and $50.

Preventive Services See details

Preventive Services include an annual physical exam with no copay, and additional preventive services with a copay; other services such as in-home safety assessments, personal emergency response systems, and others are not covered. Kidney Disease Education Services have a 20% coinsurance, and other preventive services have no copay for glaucoma screening, diabetes self-management training, barium enemas, digital rectal exams, and EKG following Welcome Visit.

Hearing Services See details

Hearing services include hearing exams, routine hearing exams, and fitting/evaluation for hearing aids with no copay. Prescription hearing aids are covered with a maximum plan benefit of $1250 per ear per year.

Vision Services See details

The Aetna Medicare Eagle (HMO-POS) plan covers vision services, including eye exams and eyewear. Eye exams have no copay, and routine eye exams are covered once per year. Eyewear, including contact lenses, eyeglasses, eyeglass lenses, eyeglass frames, and upgrades, also have no copay, with a combined maximum benefit of $200 per year.

Dental Services See details

Dental Services include coverage for oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), fluoride treatment, other preventive dental services, restorative services, adjunctive general services, endodontics, periodontics, prosthodontics (removable and fixed), and oral and maxillofacial surgery with no copay; however, there is a $35 copay for Medicare Dental Services, and maxillofacial prosthetics, implant services, and orthodontics are not covered. This benefit has a maximum plan benefit of $1,500 every year.

Home Infusion bundled Services See details

Home Infusion bundled Services are covered, including Medicare Part B Insulin Drugs with a $35 copay, and Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs with 0-20% coinsurance. Prior authorization is required for these services.

Dialysis Services See details

Dialysis Services are covered under the Aetna Medicare Eagle (HMO-POS) plan, but require prior authorization. You will pay 20% coinsurance for these services.

Medical Equipment See details

Medical Equipment benefits include Durable Medical Equipment (DME) with a coinsurance of 0-20%, Prosthetics/Medical Supplies with a coinsurance for Medicare-covered items, and Diabetic Equipment with a coinsurance of 0-20% for Diabetic Supplies and 20% for Diabetic Therapeutic Shoes/Inserts. Durable Medical Equipment for use outside the home is not covered.

Diagnostic and Radiological Services See details

Diagnostic and Radiological Services are covered, including Diagnostic Procedures/Tests with a copay between $0 and $20, and Lab Services with no copay. Diagnostic Radiological Services have a copay up to $150, while Therapeutic Radiological Services have a 20% coinsurance, and Outpatient X-Ray Services have a $20 copay.

Home Health Services See details

Home Health Services are covered under the Aetna Medicare Eagle (HMO-POS) plan with no copay and no coinsurance, but additional hours of care and personal care services are not covered. Authorization is required for this benefit.

Cardiac Rehabilitation Services See details

Cardiac Rehabilitation Services are covered by the Aetna Medicare Eagle (HMO-POS) plan. However, the plan does not cover Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, or SET for PAD Services.

Skilled Nursing Facility (SNF) See details

Skilled Nursing Facility (SNF) benefits are covered by the Aetna Medicare Eagle (HMO-POS) plan. You will have no copay for days 1-20, and a $214 copay for days 21-100.

Other Services See details

Other services include coverage for Over-the-Counter (OTC) items and meal benefits with no copay, and annual wellness exams, screening mammography, and gFOBT/FIT with no copay. Acupuncture, 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.

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