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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 Select Counties Statewide in MS. 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 annual drug deductible of $615. For Tier 1 preferred generic and Tier 2 generic medications, you will pay no copay when using preferred pharmacies or preferred mail-order services for up to a three-month supply. If you choose standard pharmacies or standard mail-order options, copays range from $2 to $6 for Tier 1 drugs and $12 to $36 for Tier 2 drugs, depending on the supply duration. For higher-tier medications, costs transition to coinsurance percentages instead of flat copays. Tier 3 preferred brand drugs require a 24% coinsurance, while Tier 4 non-preferred drugs and Tier 5 specialty drugs require a 25% coinsurance across all pharmacy and mail-order options. Specialty tier medications are limited to a one-month supply.
Additional Benefits
The Aetna Medicare Signature Plus (PPO) plan offers robust coverage with no copay or coinsurance for primary care visits, routine physicals, and laboratory services. For specialized care, members can expect low specialist copays ranging from $0 to $50, while emergency services carry a $115 copay that is waived upon hospital admission. Inpatient hospital stays require copays for the initial days of care, followed by no copay for subsequent days, all with no coinsurance. This plan also features valuable supplemental benefits, including routine vision and hearing exams with no copay, alongside annual allowances for eyewear and hearing aids. Preventive dental care is available with no copay, while comprehensive dental services are covered up to a $1,500 annual limit with a 20% to 50% coinsurance. Additionally, skilled nursing facility care starts with no copay for the first 20 days, and durable medical equipment is covered with a 20% coinsurance.
Inpatient Hospital See details
Aetna Medicare Signature Plus (PPO) partially covers inpatient hospital services with no coinsurance, requiring a $388 copay for days 1-7 of acute stays and a $407 copay for days 1-5 of psychiatric stays, with no copay for subsequent days. Prior authorization is required, and upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by Aetna Medicare Signature Plus (PPO) with no coinsurance across all services, including no copays for ambulatory surgical center and blood services. Medicare-covered outpatient hospital copays range from $0 to $425 ($388 per stay for observation), while outpatient substance abuse sessions require a $30 copay.
Partial Hospitalization See details
Aetna Medicare Signature Plus (PPO) covers partial hospitalization services with a copay of $105 or $110 and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
Ambulance services under the Aetna Medicare Signature Plus (PPO) require prior authorization, featuring a $295 copay for ground transport and a 20% coinsurance for air transport. Transportation services are not covered.
Emergency Services See details
Aetna Medicare Signature Plus (PPO) covers emergency services with a $115 copay, which is waived if admitted to the hospital within 24 hours, and urgently needed services with a $40 copay, both with no coinsurance. Worldwide emergency and urgent care are covered with a $115 copay, while worldwide emergency transportation has a $295 copay, up to a $250,000 benefit limit with no coinsurance.
Primary Care See details
Primary care benefits under Aetna Medicare Signature Plus (PPO) feature no copay and no coinsurance for primary care physician visits, while specialist services range from a $0 to $50 copay with no coinsurance. Physical, occupational, speech, psychiatric, and mental health therapies require a $30 copay with no coinsurance, while podiatry and routine chiropractic services are not covered.
Preventive Services See details
Aetna Medicare Signature Plus (PPO) covers annual physical exams, glaucoma screenings, diabetes training, and select supplemental benefits with no copay and no coinsurance. Kidney disease education is covered with no copay and a 20% coinsurance, though several supplemental services like weight management programs and in-home support are not covered.
Hearing Services See details
Aetna Medicare Signature Plus (PPO) hearing services include Medicare-covered exams for a $50 copay and no coinsurance, alongside routine exams and fittings with no copay and no coinsurance. Prescription hearing aids are partially covered with no copay and no coinsurance up to a $500 annual limit per ear, while OTC hearing aids and prescription inner ear, outer ear, and over-the-ear models are not covered.
Vision Services See details
Aetna Medicare Signature Plus (PPO) covers vision services with no deductible and no coinsurance, featuring eye exams with a $0 to $50 copay and one annual routine exam at no copay. Eyewear, including contacts, lenses, frames, and upgrades, is covered with no copay up to a combined maximum of $175 per year.
Dental Services See details
Dental services are partially covered by Aetna Medicare Signature Plus (PPO), with Medicare-covered dental requiring a $50 copay and no coinsurance, and preventive services offered with no copay and no coinsurance. Covered comprehensive services feature no copay and 20% to 50% coinsurance up to a $1,500 annual limit, though fluoride, implants, orthodontics, maxillofacial prosthetics, other diagnostic, and other preventive dental services are not covered.
Home Infusion bundled Services See details
Aetna Medicare Signature Plus (PPO) covers home infusion bundled services with no copay, although prior authorization and step therapy are required. Under this benefit, Medicare Part B insulin is covered with a $35 copay and no coinsurance, while chemotherapy, radiation, and other Part B drugs require a coinsurance ranging from 0% to 20%.
Dialysis Services See details
Aetna Medicare Signature Plus (PPO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Aetna Medicare Signature Plus (PPO) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic therapeutic shoes and inserts are covered with no copay, while diabetic supplies require no copay and a 0% to 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by Aetna Medicare Signature Plus (PPO) with prior authorization required. Diagnostic procedures and tests require no coinsurance and a copay of up to $95, while lab services feature no copay and no coinsurance. Diagnostic radiological services have no coinsurance and copays starting at no copay, while therapeutic radiological services require a minimum 20% coinsurance and a copay.
Home Health Services See details
Home Health Services are covered under the Aetna Medicare Signature Plus (PPO) with no copay and no coinsurance. Prior authorization is required to receive this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by Aetna Medicare Signature Plus (PPO) with no coinsurance, but some services are covered while cardiac rehabilitation (with a $25 copay), intensive cardiac rehabilitation (with a $25 copay), pulmonary rehabilitation (with a $15 copay), and SET for PAD services (with a $20 copay) are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is partially covered by Aetna Medicare Signature Plus (PPO) with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, though additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other Services are partially covered by Aetna Medicare Signature Plus (PPO) with no copay and no coinsurance, though acupuncture is excluded. Covered benefits include a chronic illness meal program, annual wellness exams, screening mammographies, additional colorectal screenings, and up to $15 every three months in reimbursement for over-the-counter items.
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