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Aetna Medicare Signature Care (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Aetna Medicare Signature Care (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 Care (PPO) in 2026, please refer to our full plan details page.
This summary reflects 2026 plan information. Where this plan continues in 2027, the full plan details page links to its 2027 benefits and costs.
Aetna Medicare Signature Care (PPO) is a PPO plan offered by Aetna Life Insurance Company available for the 2026 plan year to people living in Memphis Tennessee metro area. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that Aetna Medicare Signature Care (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 Care (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 Care (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 that applies only to drugs in certain tiers. You pay this amount toward covered prescriptions in those tiers before the plan's cost sharing begins; drugs in the other tiers are not subject to the deductible. See the full plan details page for the tier table.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $6750.00 for in-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your out-of-pocket costs reach $6750.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
This plan has a Maximum Out-Of-Pocket cost of $7750.00 (in-network and out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your out-of-pocket costs reach $7750.00 for covered services, the plan will pay 100% of 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:
Specialist Visits:
Emergency Room:
Urgent Care:
Sign up for Aetna Medicare Signature Care (PPO)
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Drug Coverage
The Aetna Medicare Signature Care (PPO) plan features an annual prescription drug deductible of $615. For Tier 1 preferred generic and Tier 2 generic medications, members enjoy no copay when utilizing preferred pharmacies or preferred mail-order services. Standard pharmacies and standard mail-order options are also available with affordable copays starting at $2 for Tier 1 and $12 for Tier 2 drugs. For brand-name and specialty medications, the plan utilizes percentage-based coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 24% coinsurance, while Tier 4 non-preferred drugs and Tier 5 specialty drugs both carry a 25% coinsurance across all pharmacy and mail-order channels. Specialty tier prescriptions are limited to a one-month supply.
Additional Benefits
The Aetna Medicare Signature Care (PPO) plan offers comprehensive medical coverage featuring no copay and no coinsurance for primary care visits, routine wellness exams, and home health services. For specialized medical care, members will encounter predictable costs, such as daily copays for inpatient hospital stays and a $10 to $55 copay for specialist visits. Outpatient hospital procedures, emergency room visits, and ground ambulance transport are also covered with fixed copays and no coinsurance, ensuring manageable out-of-pocket expenses. This plan provides robust supplemental benefits, including routine dental, vision, and hearing care with no copay and no coinsurance. While diagnostic lab services and routine eye exams cost nothing, major medical equipment, dialysis, and Medicare Part B drugs generally require a 20% coinsurance. Additionally, members can take advantage of a $30 quarterly allowance for over-the-counter items and standard fitness benefits at no extra cost.
Inpatient Hospital See details
Aetna Medicare Signature Care (PPO) partially covers inpatient hospital services with no coinsurance, requiring prior authorization for stays. Acute care costs a $382 daily copay for days 1 to 8 and no copay for subsequent unlimited days, though upgrades and non-Medicare-covered stays are not covered. Psychiatric care requires a $292 daily copay for days 1 to 8 and no copay for days 9 to 90, but additional days and non-Medicare-covered stays are not covered.
Outpatient Services See details
Aetna Medicare Signature Care (PPO) covers outpatient services with no coinsurance, featuring no copays for ambulatory surgical center and outpatient blood services. Outpatient hospital services require a copay ranging from no copay to $382, while outpatient substance abuse sessions have a $40 copay with no coinsurance.
Partial Hospitalization See details
Partial hospitalization is covered by Aetna Medicare Signature Care (PPO) with a copayment of either $140.00 or $145.00 and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by Aetna Medicare Signature Care (PPO), though transportation services to health-related locations are not covered in practice. Medicare-covered ground ambulance services require a $290 copay and no coinsurance, while air ambulance services require a 20% coinsurance and no copay, with prior authorization required for all ambulance services.
Emergency Services See details
Emergency services are covered by Aetna Medicare Signature Care (PPO) with a $130 copay (waived if admitted within 24 hours) and no coinsurance, while urgently needed services require a $50 copay and no coinsurance. Worldwide emergency, urgent, and transportation services are also covered up to a $250,000 maximum benefit with no coinsurance and copays ranging from $130 to $290.
Primary Care See details
Aetna Medicare Signature Care (PPO) features primary care physician visits with no copay and no coinsurance, and specialist visits with a $10 to $55 copay and no coinsurance. Other services like physical therapy and mental health visits require copays of $40 to $50 with no coinsurance, while podiatry and routine chiropractic care are not covered.
Preventive Services See details
Preventive Services are covered by Aetna Medicare Signature Care (PPO) with no copay and no coinsurance for annual physicals, fitness benefits, and screenings, while kidney disease education requires no copay and 20% coinsurance. The benefit is partially covered because it excludes in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, enhanced disease management, telemonitoring, home/bathroom safety devices, and counseling.
Hearing Services See details
Hearing services are partially covered by Aetna Medicare Signature Care (PPO), with Medicare-covered exams requiring a $55 copay and no coinsurance, while routine exams, fittings, and prescription hearing aids have no copay and no coinsurance. Prescription hearing aids are covered up to $500 per ear annually, but OTC, inner ear, outer ear, and over-the-ear hearing aids are not covered.
Vision Services See details
Aetna Medicare Signature Care (PPO) covers vision services with no deductibles and no coinsurance, offering routine eye exams and eyewear with no copay. Medicare-covered eye exams have a copay ranging from $0 to $55, and the plan features an annual maximum benefit of $50 for exams and $100 for eyewear.
Dental Services See details
Aetna Medicare Signature Care (PPO) partially covers dental services, offering Medicare-covered dental with a $55 copay and no coinsurance, as well as routine exams, cleanings, and x-rays with no copay and no coinsurance. More comprehensive treatments, such as restorative services, endodontics, periodontics, prosthodontics, and oral surgery, are not covered.
Home Infusion bundled Services See details
Aetna Medicare Signature Care (PPO) covers home infusion bundled services with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other drugs require no copay and 0% to 20% coinsurance, while Part B insulin is covered with a $35 copay and no coinsurance.
Dialysis Services See details
Aetna Medicare Signature Care (PPO) covers Dialysis Services with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
Medical equipment is covered under Aetna Medicare Signature Care (PPO) with no copays and coinsurance ranging from 0% to 20% for durable medical equipment, medical supplies, and diabetic supplies. Prosthetic devices are covered with no copay and a 20% coinsurance, and prior authorization is required for these services.
Diagnostic and Radiological Services See details
Aetna Medicare Signature Care (PPO) covers diagnostic and radiological services with prior authorization required. Diagnostic procedures and tests have no coinsurance and a copay ranging from $0 to $200, lab services and outpatient X-rays are covered with no copay, and therapeutic radiological services require a minimum 20% coinsurance.
Home Health Services See details
Home health services are covered under the Aetna Medicare Signature Care (PPO) plan 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 Care (PPO) with no coinsurance, but only some services are covered as standard cardiac, intensive cardiac, pulmonary, and SET for PAD services are not covered and require copays ranging from $15 to $25.
Skilled Nursing Facility (SNF) See details
Aetna Medicare Signature Care (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring a $10 daily copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, a prior three-day inpatient hospital stay is not necessary for admission, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Aetna Medicare Signature Care (PPO) offers partial coverage for other services, featuring no copay and no coinsurance for annual wellness exams, screening mammographies, additional gFOBT and FIT, and up to $30 in over-the-counter (OTC) items every three months. Acupuncture and meal benefits are not covered under this plan.
Plan Providers
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, Health Care Service Corporation, HealthSpringSM, HealthSun, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.
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Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
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