A non-government entity
Aetna Medicare Signature (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Aetna Medicare Signature (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 (PPO) in 2026, please refer to our full plan details page.
Aetna Medicare Signature (PPO) is a PPO plan offered by CVS Health Corporation available for enrollment in 2025 to people living in Central FL. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that Aetna Medicare Signature (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 (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 (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 $10100.00 (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 $10100.00 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 (PPO) plan features an annual drug deductible of $615. For Tier 1 preferred generic and Tier 2 generic drugs, you will pay no copay for one-, two-, or three-month supplies when using a preferred pharmacy or preferred mail order service. If you choose standard pharmacies or standard mail order, Tier 1 drugs carry a copay starting at $2.00, while Tier 2 drugs start at a $12.00 copay. For higher-tier medications, costs transition to coinsurance across all pharmacy and mail order options. Tier 3 preferred brand drugs require a 24% coinsurance, while Tier 4 non-preferred drugs require a 25% coinsurance for one-, two-, or three-month supplies. Tier 5 specialty drugs also incur a 25% coinsurance, which is limited to a one-month supply.
Additional Benefits
The Aetna Medicare Signature (PPO) plan offers comprehensive coverage for everyday healthcare needs, featuring no copay for primary care visits and copays up to $40 for specialist visits with no coinsurance. Routine dental, vision, and hearing services are highly affordable, offering no copays for routine exams and preventive dental care up to a $2,250 annual maximum. Members also benefit from a $155 annual eyewear allowance and covered prescription hearing aids with no coinsurance. For emergency and urgent care, the plan requires a $130 copay and a $20 copay, respectively, with no coinsurance. Inpatient hospital stays incur a $340 daily copay for the first seven days and no copay for additional days, while outpatient hospital services feature copays up to $340 with no coinsurance. Furthermore, home health services and cardiac rehabilitation are covered with no copay and no coinsurance.
Inpatient Hospital See details
Inpatient hospital services are covered by Aetna Medicare Signature (PPO) with no coinsurance, though prior authorization is required. For acute stays, there is a $340 daily copay for days 1 through 7 and no copay for additional days, while psychiatric stays require a $334 daily copay for days 1 through 7 and no copay for days 8 through 90; however, upgrades, psychiatric additional days, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Aetna Medicare Signature (PPO) covers outpatient services with no coinsurance, offering ambulatory surgical center and blood services with no copays. Outpatient hospital services require a copay ranging from $0 to $340, observation services have a $350 copay per stay, and outpatient substance abuse sessions carry a $15 to $25 copay.
Partial Hospitalization See details
Aetna Medicare Signature (PPO) covers partial hospitalization services with a copay ranging from $55.00 to $145.00 and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Aetna Medicare Signature (PPO) covers ground ambulance services with a $225 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay, with prior authorization required for both. Transportation services to health-related locations are not covered.
Emergency Services See details
Emergency services under the Aetna Medicare Signature (PPO) are covered with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $20 copay and no coinsurance, while worldwide emergency services are covered up to a $250,000 limit with no coinsurance and copays ranging from $130 to $225.
Primary Care See details
Aetna Medicare Signature (PPO) offers primary care physician services with no copay and no coinsurance, while specialist visits range from a $0 to $40 copay with no coinsurance. Other services like physical and occupational therapy require a $25 copay with no coinsurance, mental health and psychiatric services have a $15 to $25 copay with no coinsurance, and podiatry and chiropractic services are not covered.
Preventive Services See details
Aetna Medicare Signature (PPO) partially covers preventive services, offering annual physicals, health education, and screenings with no copay and no coinsurance, while kidney disease education has no copay and a 20% coinsurance. Excluded from coverage are in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge in-home medication reconciliation, re-admission prevention, weight management programs, alternative therapies, therapeutic massage, adult day health services, nutritional/dietary benefits, home-based palliative care, in-home support services, caregiver support, enhanced disease management, telemonitoring services, home and bathroom safety devices, and counseling services.
Hearing Services See details
Hearing services are partially covered by Aetna Medicare Signature (PPO), featuring a $40 copay for Medicare-covered exams and no copay for annual routine exams and fittings, both with no coinsurance. Prescription hearing aids are covered with no coinsurance and copays ranging from $0 to $1,700 for up to two devices per year, though OTC, inner ear, outer ear, and over-the-ear hearing aids are not covered.
Vision Services See details
Aetna Medicare Signature (PPO) covers vision services with no copays, no coinsurance, and no deductibles for both eye exams and eyewear. The plan provides up to $50 annually for eye exams, including one routine exam, and a combined $155 annual allowance for eyewear such as contacts and eyeglasses.
Dental Services See details
Aetna Medicare Signature (PPO) dental services are partially covered, offering Medicare-covered dental care with a $40 copay and no coinsurance, and other covered preventive and comprehensive services with no copay and no coinsurance up to a $2,250 annual maximum. Maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Aetna Medicare Signature (PPO) covers home infusion bundled services with no copay and no coinsurance, though prior authorization is required. Medicare Part B insulin is covered with a $35 copay and no coinsurance, while chemotherapy, radiation, and other Part B drugs feature no copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered under the Aetna Medicare Signature (PPO) plan with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Medical equipment is covered by Aetna Medicare Signature (PPO) with no copays, though prior authorization is required. You will pay no coinsurance to 20% coinsurance for durable medical equipment, medical supplies, and diabetic supplies, while prosthetic devices require a 20% coinsurance and diabetic therapeutic shoes or inserts have no coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by Aetna Medicare Signature (PPO) with prior authorization, featuring no coinsurance and a $0 to $100 copay for diagnostic tests, alongside lab services with no copay or coinsurance. Diagnostic radiological services have copays starting at $0, outpatient X-rays have no copay but require coinsurance, and therapeutic radiological services carry a minimum 20% coinsurance.
Home Health Services See details
Aetna Medicare Signature (PPO) covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by Aetna Medicare Signature (PPO) with no copay and no coinsurance. While some services are covered, 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
Aetna Medicare Signature (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day inpatient hospital stay. There is no copay for days 1 through 20, a $218 copay for days 21 through 100, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Aetna Medicare Signature (PPO) covers select other services with no copay and no coinsurance, including annual wellness exams, screening mammographies, additional gFOBT and FIT, and up to $30 every three months in over-the-counter (OTC) item reimbursements. Acupuncture, meal benefits, and certain other services are not covered under this plan.
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