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Aetna Medicare Signature Plus (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Aetna Medicare Signature Plus (PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Aetna Medicare Signature Plus (PPO) in 2026, please refer to our full plan details page.
Aetna Medicare Signature Plus (PPO) is a PPO plan offered by CVS Health Corporation available for enrollment in 2025 to people living in Central AL. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that Aetna Medicare Signature Plus (PPO) 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 Plus (PPO).
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 Plus (PPO), 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 combined Maximum Out-Of-Pocket cost of $13900.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $13900.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
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 Plus (PPO) plan features an Enhanced Alternative drug benefit with a prescription drug deductible of $615.00. After meeting this deductible, you will pay no copay for Tier 1 preferred generic drugs at preferred pharmacies or through preferred mail order, while standard pharmacies and mail services require a $12.00 copay. For other tiers, the plan charges a 24% coinsurance for Tier 2 standard generics and a 25% coinsurance for both Tier 3 preferred brands and Tier 4 non-preferred drugs. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and pay nothing for covered Medicare Part D prescription drugs. Additionally, individuals who qualify for the low-income subsidy, also known as Extra Help, can reduce their premium cost to $0.00.
Additional Benefits
The Aetna Medicare Signature Plus (PPO) plan provides comprehensive medical coverage with no copay for primary care physician visits, home health services, and routine preventive care. For hospital stays, members pay a daily copay of $388 for the first seven days of inpatient care and no copay for subsequent days, while outpatient hospital services range from no copay to a $425 copay. Emergency care is accessible with a $115 copay, which is waived if you are admitted, and urgent care requires a $40 copay. This plan also features robust ancillary benefits, including no copay for routine eye exams, routine hearing exams, and preventive dental care. Vision eyewear is covered up to a $200 annual maximum, prescription hearing aids are covered up to $500 per ear, and comprehensive dental services are subject to 20% to 50% coinsurance up to a $2,000 limit. Skilled nursing facility stays feature no copay for the first 20 days, followed by a daily copay of $218 for days 21 through 100.
Inpatient Hospital See details
Inpatient hospital benefits are partially covered by Aetna Medicare Signature Plus (PPO) with no coinsurance, requiring a $388 daily copay for days 1-7 of acute stays and a $407 daily copay for days 1-5 of psychiatric stays, with no copay for subsequent days. Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered under this plan.
Outpatient Services See details
Outpatient services are covered by Aetna Medicare Signature Plus (PPO) with no coinsurance, including no copay for ambulatory surgical center and blood services. Other outpatient benefits require a $30 copay for substance abuse sessions, a $388 copay per stay for observation services, and a copay ranging from no copay to $425 for hospital services.
Partial Hospitalization See details
Aetna Medicare Signature Plus (PPO) covers partial hospitalization services with a copay of $105.00 or $110.00 and no coinsurance. Prior authorization is required to access these covered benefits.
Ambulance and Transportation Services See details
Aetna Medicare Signature Plus (PPO) partially covers Ambulance and Transportation Services, though transportation services to plan-approved or any health-related locations are not covered. Covered ground ambulance services require a $295 copay and no coinsurance, while air ambulance services require 20% coinsurance and no copay. Prior authorization is required for all ambulance services.
Emergency Services See details
Aetna Medicare Signature Plus (PPO) 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 services are covered up to a $250,000 maximum with copays ranging from $115 to $295 and no coinsurance.
Primary Care See details
Primary Care benefits are partially covered by Aetna Medicare Signature Plus (PPO), with podiatry and routine chiropractic services not covered. There is no copay or coinsurance for primary care physician visits, while other covered services like specialist and therapy visits require copays ranging from $0 to $40 and no coinsurance. Additional telehealth services are available with a 20% coinsurance and copays of $0 to $40.
Preventive Services See details
Preventive services are partially covered by Aetna Medicare Signature Plus (PPO), with annual physicals, health education, and fitness benefits requiring no copay and no coinsurance, while kidney disease education has a 20% coinsurance and no copay. Uncovered sub-services include in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, readmission prevention, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, disease management, telemonitoring, home modifications, and counseling.
Hearing Services See details
Aetna Medicare Signature Plus (PPO) offers partially covered hearing services, featuring routine hearing exams and fitting evaluations with no copay and no coinsurance, while Medicare-covered exams require a $40 copay and no coinsurance. Prescription hearing aids are covered up to $500 per ear annually with no copay and no coinsurance, but OTC hearing aids and inner, outer, or over-the-ear prescription models are not covered.
Vision Services See details
Vision services are covered by Aetna Medicare Signature Plus (PPO) with no deductibles and no coinsurance, featuring no copay for routine eye exams and eyewear. Eye exams have a copay ranging from $0 to $40 with a $50 annual limit, while eyewear is covered up to a $200 annual maximum.
Dental Services See details
Dental services are partially covered by Aetna Medicare Signature Plus (PPO), with no coverage for fluoride treatment, maxillofacial prosthetics, implant services, and orthodontics. Preventive care features no copay and no coinsurance, whereas Medicare-covered dental requires a $40 copay and no coinsurance. Comprehensive services are subject to 20% to 50% coinsurance and no copay, up to a $2,000 annual maximum.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by Aetna Medicare Signature Plus (PPO) with prior authorization required. Medicare Part B insulin drugs require a $35 copay and no coinsurance, while chemotherapy, radiation, and other Part B drugs have no copay and a coinsurance ranging from no coinsurance up to 20%.
Dialysis Services See details
Dialysis services are covered under the Aetna Medicare Signature Plus (PPO) plan with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Aetna Medicare Signature Plus (PPO) covers medical equipment, requiring a 20% coinsurance and no copay for durable medical equipment, prosthetic devices, and medical supplies. Diabetic therapeutic shoes and inserts are covered with no copay and no coinsurance, while diabetic supplies range from no coinsurance to 20% coinsurance with no copay.
Diagnostic and Radiological Services See details
Aetna Medicare Signature Plus (PPO) covers diagnostic and radiological services with prior authorization required. Under this plan, members pay no copay or coinsurance for lab services and outpatient X-rays, a $0 to $95 copay with no coinsurance for diagnostic procedures, up to a $300 copay with no coinsurance for diagnostic radiology, and 20% coinsurance with no copay for therapeutic radiology.
Home Health Services See details
Aetna Medicare Signature Plus (PPO) covers Home Health Services 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 Plus (PPO) plan, as none of the sub-services, including intensive cardiac, pulmonary, and SET for PAD rehabilitation, are covered.
Skilled Nursing Facility (SNF) See details
Aetna Medicare Signature Plus (PPO) covers Skilled Nursing Facility (SNF) services with prior authorization, though additional days beyond the Medicare-covered limit are not covered. There is no copay and no coinsurance for days 1 through 20, while days 21 through 100 require a $218 daily copay and no coinsurance.
Other Services See details
Other Services are partially covered by Aetna Medicare Signature Plus (PPO), offering no copay and no coinsurance for over-the-counter items, meal benefits for chronic illness, and select wellness exams. Acupuncture and Dual Eligible SNPs with highly integrated services are not covered under this plan benefit.
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