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Aetna Medicare Longevity (PPO I-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Aetna Medicare Longevity (PPO I-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Aetna Medicare Longevity (PPO I-SNP) in 2026, please refer to our full plan details page.
Aetna Medicare Longevity (PPO I-SNP) is a PPO I-SNP plan offered by CVS Health Corporation available for enrollment in 2025 to people living in NY Statewide. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that Aetna Medicare Longevity (PPO I-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
Aetna Medicare Longevity (PPO I-SNP)is a Special Needs Type (SNP) plan. This means you can only enroll in this plan if you meet specific criteria. See our full plan details page for more information.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Aetna Medicare Longevity (PPO I-SNP).
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 Longevity (PPO I-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $58.80. 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 Longevity (PPO I-SNP) plan features an annual prescription drug deductible of $615. You will need to pay this deductible amount out-of-pocket for your covered medications before the plan begins to pay its share. Specific drug coverage tier details, such as copayments and coinsurance rates for individual medication tiers, are not available for this plan. Because these tier details are not provided, you should verify how your specific medications are covered to determine your exact out-of-pocket expenses.
Additional Benefits
The Aetna Medicare Longevity (PPO I-SNP) plan offers robust coverage designed to minimize out-of-pocket expenses, featuring no copayments for many essential services. Members benefit from no copay and no coinsurance on home health services, therapy sessions, preventive care, and skilled nursing facility stays up to 100 days. Additionally, routine dental care is covered with no copay or coinsurance up to a $1,500 annual limit, alongside helpful allowances for eyewear and hearing aids. For other healthcare needs, costs are structured around predictable copays and coinsurance. Primary care visits require a low $5 copay, while specialist visits, outpatient hospital services, and medical equipment feature no copay and a 20% coinsurance. Emergency room visits carry a $115 copay that is waived if you are admitted, and the plan includes a $150 quarterly allowance for over-the-counter health products.
Inpatient Hospital See details
Aetna Medicare Longevity (PPO I-SNP) partially covers inpatient acute and psychiatric hospital services with Medicare-defined copays and no coinsurance, requiring prior authorization. Additional days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Aetna Medicare Longevity (PPO I-SNP) covers outpatient services with no copay, though coinsurance ranges from 0% to 20% and prior authorization may be required. Covered benefits including outpatient hospital, ambulatory surgical center, substance abuse, and blood services all feature no copay and up to 20% coinsurance.
Partial Hospitalization See details
Aetna Medicare Longevity (PPO I-SNP) covers partial hospitalization services, which require prior authorization. Depending on the specific service, you will pay either no copay with a 20% coinsurance, or a $110.00 copay with no coinsurance.
Ambulance and Transportation Services See details
Aetna Medicare Longevity (PPO I-SNP) covers ground and air ambulance services with a 20% coinsurance and no copay, subject to prior authorization. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Aetna Medicare Longevity (PPO I-SNP) 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, urgent, and transportation services are not covered.
Primary Care See details
Aetna Medicare Longevity (PPO I-SNP) offers primary care physician services for a $5 copay with no coinsurance, and therapy services—including physical, occupational, and speech-language—with no copay and no coinsurance. Specialist visits, mental health, psychiatric, telehealth, and routine podiatry services are covered with no copay and 20% coinsurance, though chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered by Aetna Medicare Longevity (PPO I-SNP) with no copay and no coinsurance for Medicare-covered zero-dollar preventive services, kidney disease education, and screenings for glaucoma and diabetes. While up to 25 alternative therapy visits are covered with no copay or coinsurance, many services are not covered, including annual physical exams, fitness benefits, health education, and in-home safety assessments.
Hearing Services See details
Aetna Medicare Longevity (PPO I-SNP) provides partially covered hearing services, including annual routine hearing exams with a 20% coinsurance and no copay, and fitting evaluations with no copay or coinsurance. Prescription hearing aids are covered up to $750 per ear annually with no copay or coinsurance, though OTC hearing aids and inner ear, outer ear, or over-the-ear prescription models are not covered.
Vision Services See details
Aetna Medicare Longevity (PPO I-SNP) covers vision services with no deductibles, offering routine and diabetic eye exams with no copay, though routine exams are subject to a 20% coinsurance up to a $50 annual maximum. Eyewear, including contacts, frames, lenses, and upgrades, is covered with no copay or coinsurance up to a combined annual limit of $250.
Dental Services See details
Aetna Medicare Longevity (PPO I-SNP) offers partially covered dental services, featuring no copay and no coinsurance for covered preventive and comprehensive care up to a $1,500 annual maximum. While most dental services are covered, orthodontics, implants, and maxillofacial prosthetics are not covered, and Medicare-covered dental services require no copay and a 20% coinsurance.
Home Infusion bundled Services See details
Aetna Medicare Longevity (PPO I-SNP) covers home infusion bundled services with no copay, although prior authorization and step therapy are required. Under this benefit, Medicare Part B insulin drugs have a $35 copay with no coinsurance, while chemotherapy and other Part B drugs are covered with a coinsurance ranging from 0% to 20%.
Dialysis Services See details
Dialysis Services are covered under the Aetna Medicare Longevity (PPO I-SNP) with no copay and a 20% coinsurance, although prior authorization is required.
Medical Equipment See details
Medical equipment is covered under the Aetna Medicare Longevity (PPO I-SNP) with no copay and a 20% coinsurance for durable medical equipment, prosthetics, medical supplies, and diabetic equipment. Prior authorization is required for these covered services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under Aetna Medicare Longevity (PPO I-SNP), with prior authorization required for all services. Diagnostic procedures require a copay with no coinsurance, while lab services feature no copay but require coinsurance. Diagnostic radiological services have no copay or coinsurance, whereas therapeutic radiology and outpatient X-rays require a 20% coinsurance with no copay.
Home Health Services See details
Home health services are covered by Aetna Medicare Longevity (PPO I-SNP) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under Aetna Medicare Longevity (PPO I-SNP) with no copay and prior authorization, though some services are not covered, including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation, which require a 20% coinsurance.
Skilled Nursing Facility (SNF) See details
Aetna Medicare Longevity (PPO I-SNP) covers Skilled Nursing Facility (SNF) services for days 1 through 100 with no copayment and no coinsurance, though a prior 3-day inpatient hospital stay is required. Additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Aetna Medicare Longevity (PPO I-SNP) partially covers other services with no copay and no coinsurance, including an annual wellness exam, screening mammography, additional gFOBT and FIT, and a $150 quarterly benefit for over-the-counter items. Acupuncture, meal benefits, nicotine replacement therapy, and naloxone are not covered under this plan.
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