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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 Counties: FF, HT, LF, MS, NH, NL, LT, WH. 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 $35.80. 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. This deductible represents the amount you must pay out-of-pocket for covered medications before the plan begins to pay its share. Because specific drug coverage tier details and copayments are not available for this plan, you will want to verify how your specific prescriptions are categorized to understand your ongoing costs. When choosing a Medicare plan, understanding your annual drug deductible is essential for managing your healthcare budget. For the Aetna Medicare Longevity (PPO I-SNP), meeting the $615 deductible is the first step before transitioning to coverage. Reviewing the plan's formulary directly can help clarify which medications apply to this deductible and what your final out-of-pocket costs will be.
Additional Benefits
The Aetna Medicare Longevity (PPO I-SNP) offers robust medical coverage featuring no copay and no coinsurance for primary care, physical therapy, home health services, and skilled nursing facility stays up to 100 days. Specialist visits, outpatient services, and durable medical equipment generally require no copay alongside a 20% coinsurance. Emergency care is accessible with a $115 copay, which is waived upon hospital admission, while inpatient hospital stays are subject to Medicare-defined copays. For ancillary wellness benefits, the plan provides dental coverage up to $2,250 annually and vision eyewear up to $250 per year with no copays or coinsurance. Hearing care is also covered with no deductible, offering up to $750 per ear annually for prescription hearing aids with no copay or coinsurance. Additionally, members can access over-the-counter items with a $250 quarterly allowance and Part B insulin drugs for a flat $35 copay.
Inpatient Hospital See details
Aetna Medicare Longevity (PPO I-SNP) covers inpatient acute and psychiatric hospital stays with no coinsurance, subject to Medicare-defined copays and cost-sharing under prior authorization. However, 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 prior authorization is required for most services. Covered benefits—including outpatient hospital, ambulatory surgical center, outpatient substance abuse, and outpatient blood services—feature no copay and coinsurance ranging from no coinsurance to 20%.
Partial Hospitalization See details
Aetna Medicare Longevity (PPO I-SNP) covers partial hospitalization services with prior authorization, costing either a 20% coinsurance with no copay or a $110 copay with no coinsurance.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by Aetna Medicare Longevity (PPO I-SNP), featuring a 20% coinsurance and no copay for ground and air ambulance services. For transportation benefits, some services are covered but transportation to plan-approved health-related locations and any health-related locations is not covered.
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, but worldwide emergency, urgent, and emergency transportation services are not covered.
Primary Care See details
Aetna Medicare Longevity (PPO I-SNP) covers primary care, occupational, physical, and speech therapy services with no copay and no coinsurance, though chiropractic services are not covered. Specialist visits, mental health, psychiatric, podiatry, and telehealth services are also covered with no copay and a 20% coinsurance.
Preventive Services See details
Aetna Medicare Longevity (PPO I-SNP) provides partially covered preventive services with no copay and no coinsurance for covered benefits, including Medicare-covered zero-dollar preventive care, kidney disease education, and up to 30 alternative therapy visits. However, several services are not covered, such as the annual physical exam, fitness benefits, health education, in-home safety assessments, and weight management programs.
Hearing Services See details
Hearing services covered by Aetna Medicare Longevity (PPO I-SNP) feature no deductible, offering annual routine exams with a 20% coinsurance and no copay, alongside fitting evaluations with no copay or coinsurance. Prescription hearing aids are partially covered with no copay or coinsurance up to $750 per ear annually, but OTC hearing aids and inner ear, outer ear, and over-the-ear prescription devices are not covered.
Vision Services See details
Vision services are covered by Aetna Medicare Longevity (PPO I-SNP) with no deductibles, featuring routine eye exams with no copay and 20% coinsurance up to a $50 yearly limit. Eyewear benefits, including contacts and eyeglasses, are covered with no copay and no coinsurance up to a combined maximum of $250 per year.
Dental Services See details
Dental Services are partially covered by Aetna Medicare Longevity (PPO I-SNP), providing up to $2,250 annually for preventive and comprehensive dental care with no copay and no coinsurance. Medicare-covered dental services require no copay and a 20% coinsurance, while maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by Aetna Medicare Longevity (PPO I-SNP) with no copay, though prior authorization and step therapy are required. Under this plan, Medicare Part B insulin drugs require a $35 copay and no coinsurance, while chemotherapy and other Part B drugs carry a 0% to 20% coinsurance and no copay.
Dialysis Services See details
Aetna Medicare Longevity (PPO I-SNP) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive this covered benefit.
Medical Equipment See details
Aetna Medicare Longevity (PPO I-SNP) covers durable medical equipment (DME), prosthetics, medical supplies, and diabetic equipment with no copay and 20% coinsurance. Prior authorization is required for these covered services, which do not have manufacturer or preferred vendor restrictions.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under Aetna Medicare Longevity (PPO I-SNP) and require prior authorization. Diagnostic procedures and tests require a copay with no coinsurance, while lab services have no copay but require coinsurance. Radiological services have no copays, featuring no coinsurance for diagnostic radiology and a 20% coinsurance for therapeutic radiology and outpatient X-rays.
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
Aetna Medicare Longevity (PPO I-SNP) covers Cardiac Rehabilitation Services with no copay, though only some services are covered as standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are not covered and require a 20% coinsurance. Prior authorization is also required for covered services.
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 copay and no coinsurance. A prior three-day inpatient hospital stay is required for admission, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Aetna Medicare Longevity (PPO I-SNP) partially covers other services, offering select benefits like over-the-counter (OTC) items up to $250 every three months, annual wellness exams, screening mammographies, and additional gFOBT and FIT screenings with no copay and no coinsurance. Acupuncture, meal benefits, nicotine replacement therapy, and Naloxone are not covered under this plan.
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