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Aetna Medicare Elite 2 NJ South (PPO)

Benefits Summary and Overview

This page is a benefits summary and overview of key plan information for Aetna Medicare Elite 2 NJ South (PPO). The information on this page is a summary only.

For a complete listing of all available benefits and cost information on Aetna Medicare Elite 2 NJ South (PPO) in 2025, please refer to our full plan details page.

Aetna Medicare Elite 2 NJ South (PPO) is a PPO plan offered by CVS Health Corporation available for enrollment in 2025 to people living in Southern New Jersey. This plan received an overall rating of 4.5 out of 5 stars in 2025.

It's important to know that Aetna Medicare Elite 2 NJ South (PPO) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.

Overview IconKey Plan Facts

Below are a few key facts and commonly-asked questions about Aetna Medicare Elite 2 NJ South (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 Elite 2 NJ South (PPO), the main costs are as follows:

Monthly Premium

The Monthly Premium for this plan is $25.00. 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 has a $1500.00 health deductible. This means, every calendar year, you pay this amount towards covered services before your insurance coverage kicks in.

This plan has a $590.00 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 $14000.00 (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 $14000.00 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:

Regular visits to your primary care doctor are covered and will have a copay of $10.00 and coinsurance of 0% (no coinsurance).

Specialist Visits:

Visits to specialists are covered and will have a copay of $45.00 and coinsurance of 0% (no coinsurance). Specialist visits may require a referral from your primary care doctor or prior authorization.

Emergency Room:

Trips to the Emergency Room are covered, and will have a copay of $110.00 and coinsurance of 0% (no coinsurance). Coverage may vary for in-network and out-of-network hospitals.

Urgent Care:

Trips to Urgent Care arecovered and will have a copay of $45.00 and coinsurance of 0% (no coinsurance). Coverage may vary for in-network and out-of-network hospitals.

Sign up for Aetna Medicare Elite 2 NJ South (PPO)

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Drug Coverage IconDrug Coverage

The Aetna Medicare Elite 2 NJ South (PPO) plan has an enhanced alternative drug benefit. The plan has a $590 deductible for prescription drugs. In the initial coverage phase, after your deductible is met, you will pay either a copay or coinsurance depending on the drug tier and pharmacy. For example, preferred generic drugs have no copay at preferred pharmacies and preferred mail order, and a $12 copay at standard pharmacies and standard mail order. After your total drug costs reach $2000, you enter the catastrophic coverage phase where you pay nothing for covered drugs.

Additional Benefits IconAdditional Benefits

The Aetna Medicare Elite 2 NJ South (PPO) plan offers a range of benefits with varying costs. Inpatient hospital stays have a copay, while outpatient services have copays that vary by service. Many preventive services, such as annual physical exams, and vision services, including eye exams and eyewear, have no copay. This plan provides coverage for ambulance services, emergency services, and primary care visits with copays. Hearing exams and hearing aid fittings are covered, as are dental services like oral exams and cleanings, with no copay. The plan also includes coverage for home health services, diagnostic and radiological services, and skilled nursing facility stays.

Inpatient Hospital See details

Inpatient Hospital benefits include coverage for Inpatient Hospital-Acute with a copay of $385 for days 1-6, and no copay for days 7-90, as well as Inpatient Hospital Psychiatric with a copay of $339 for days 1-6, and no copay for days 7-90. Additional Days for Inpatient Hospital-Acute are covered with no copay. Non-Medicare-covered Stay and Upgrades for Inpatient Hospital-Acute, and Additional Days and Non-Medicare-covered Stay for Inpatient Hospital Psychiatric are not covered.

Outpatient Services See details

Outpatient Services include coverage for all outpatient hospital services with a copay ranging from $0 to $395, observation services with a $385 copay, Ambulatory Surgical Center (ASC) Services with no copay, Outpatient Substance Abuse Services with a $40 copay for both individual and group sessions, and Outpatient Blood Services with no copay.

Partial Hospitalization See details

Partial Hospitalization is covered by Aetna Medicare Elite 2 NJ South (PPO) with an $80 copay. Prior authorization is required.

Ambulance and Transportation Services See details

Ambulance and Transportation Services are covered by the Aetna Medicare Elite 2 NJ South (PPO) plan. Ground and Air Ambulance Services have a $300 copay, with no coinsurance. Transportation Services to any health-related location are not covered.

Emergency Services See details

Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by the Aetna Medicare Elite 2 NJ South (PPO) plan. Emergency Services and Worldwide Emergency Coverage have a $110 copay, Urgently Needed Services has a $45 copay, and Worldwide Emergency Transportation has a $300 copay; all services have no coinsurance.

Primary Care See details

The Aetna Medicare Elite 2 NJ South (PPO) plan covers primary care physician services with a $10 copay, chiropractic services with a $15 copay, occupational therapy services with a $30 copay, physician specialist services with a $45 copay, mental health specialty services with a $40 copay for individual and group sessions, other health care professional services with a copay between $0 and $45, psychiatric services with a $40 copay for individual and group sessions, physical therapy and speech-language pathology services with a $30 copay, and opioid treatment program services with a $40 copay; however, routine chiropractic care and podiatry services are not covered. Additional telehealth benefits are covered with a 20% coinsurance and a copay between $0 and $45.

Preventive Services See details

Preventive services include coverage for annual physical exams with no copay, and additional services such as Health Education, Nutritional/Dietary Benefit, Additional Sessions of Smoking and Tobacco Cessation Counseling, Fitness Benefit, and Remote Access Technologies with a $0 copay. Kidney Disease Education Services have a 20% coinsurance. Other preventive services, including glaucoma screening, diabetes self-management training, barium enemas, digital rectal exams, and EKG following Welcome Visit, have a $0 copay.

Hearing Services See details

Hearing services include coverage for hearing exams with a $45 copay, routine hearing exams with no copay, and fitting/evaluation for hearing aids with no copay. Prescription hearing aids (all types) are covered with a maximum copay of $1700, while prescription hearing aids for the inner ear, outer ear, and over the ear are not covered, and OTC hearing aids are not covered.

Vision Services See details

The Aetna Medicare Elite 2 NJ South (PPO) plan covers vision services, including eye exams with a copay between $0 and $45, and eyewear with no copay, up to a combined maximum of $150 every year. Routine eye exams, other eye exam services, contact lenses, eyeglasses (lenses and frames), eyeglass lenses, eyeglass frames, and upgrades are all covered with no copay.

Dental Services See details

Dental Services include coverage for Medicare Dental Services with a $45 copay, oral exams, dental x-rays, and prophylaxis (cleaning) with no copay. However, fluoride treatment, orthodontic services, and several other dental services are not covered.

Home Infusion bundled Services See details

Home Infusion bundled Services are covered, including Medicare Part B Insulin Drugs with a $35 copay, and Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs with 0-20% coinsurance. Prior authorization is required for these services.

Dialysis Services See details

Dialysis Services are covered by the Aetna Medicare Elite 2 NJ South (PPO) plan, with a coinsurance of 20%. Prior authorization is required.

Medical Equipment See details

Medical Equipment benefits are covered by the Aetna Medicare Elite 2 NJ South (PPO) plan, including Durable Medical Equipment (DME) with 0%-20% coinsurance and no copay. Prosthetics/Medical Supplies have no copay, and coinsurance applies. Diabetic Equipment, Diabetic Supplies, and Diabetic Therapeutic Shoes/Inserts are covered with coinsurance, and Diabetic Supplies have 0%-20% coinsurance. Durable Medical Equipment for use outside the home is not covered.

Diagnostic and Radiological Services See details

Diagnostic and Radiological Services are covered by Aetna Medicare Elite 2 NJ South (PPO). Diagnostic Procedures/Tests have a copay between $0 and $45, and Lab Services have no copay.

Diagnostic Radiological Services have a maximum copay of $325 and Therapeutic Radiological Services have a coinsurance of 20%.

Outpatient X-Ray Services have a copay of $45.

Home Health Services See details

Home Health Services are covered by the Aetna Medicare Elite 2 NJ South (PPO) plan with no copay and no coinsurance, but additional hours of care and personal care services are not covered. Prior authorization is required for this benefit.

Cardiac Rehabilitation Services See details

Cardiac Rehabilitation Services are not covered by the Aetna Medicare Elite 2 NJ South (PPO) plan. The plan does not cover Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, or Additional Cardiac Rehabilitation Services.

Skilled Nursing Facility (SNF) See details

The Aetna Medicare Elite 2 NJ South (PPO) plan covers Skilled Nursing Facility (SNF) services, but requires prior authorization. For days 1-20, there is no copay, and for days 21-100, the copay is $195.

Other Services See details

The Aetna Medicare Elite 2 NJ South (PPO) plan does not cover acupuncture, over-the-counter items, Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services. The plan covers a meal benefit with no copay. Other services such as annual wellness exams and screening mammography, as well as gFOBT and FIT, are covered with no copay.

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