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Aetna Medicare Signature (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Aetna Medicare Signature (HMO-POS). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Aetna Medicare Signature (HMO-POS) in 2026, please refer to our full plan details page.
Aetna Medicare Signature (HMO-POS) is a HMO-POS plan offered by CVS Health Corporation available for enrollment in 2025 to people living in Nebraska. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that Aetna Medicare Signature (HMO-POS) 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 (HMO-POS).
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 (HMO-POS), 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 Maximum Out-Of-Pocket cost of $3900.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network 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:
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Drug Coverage
The Aetna Medicare Signature (HMO-POS) plan features an annual prescription drug deductible of $615. For Tier 1 preferred generics and Tier 2 generics, members enjoy no copay when using preferred pharmacies or preferred mail-order services. If standard pharmacies or standard mail-order options are chosen, Tier 1 copays range from $2 to $6, and Tier 2 copays range from $12 to $36 depending on the supply length. For higher-tier medications, the plan transitions to coinsurance costs. Tier 3 preferred brand drugs require a 24% coinsurance across all pharmacy and mail-order channels. Tier 4 non-preferred drugs and Tier 5 specialty drugs carry a 25% coinsurance, with Tier 5 coverage limited to a one-month supply.
Additional Benefits
The Aetna Medicare Signature (HMO-POS) plan offers comprehensive medical coverage with no copay for primary care doctor visits, home health services, and routine preventive care. For specialist visits, physical therapy, and urgent care, members pay a predictable copay, while emergency room visits require a $150 copay. Inpatient hospital stays require daily copays for the first few days of a stay, after which there is no copay for the remaining covered days. This plan also features strong supplemental benefits, including no copay for routine dental, vision, and hearing exams, alongside allowances for prescription eyewear and hearing aids. While diagnostic lab services and durable medical equipment have no copay, other specialized treatments like dialysis and select Part B drugs are subject to a 20% coinsurance.
Inpatient Hospital See details
Aetna Medicare Signature (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a $375 daily copay for days 1 through 6 of acute stays and a $370 daily copay for days 1 through 5 of psychiatric stays, followed by no copay for the remaining covered days. Prior authorization is required, and non-Medicare-covered stays, upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
Aetna Medicare Signature (HMO-POS) covers outpatient services with no coinsurance, including ambulatory surgical center and blood services with no copay or deductible. Outpatient hospital services feature a copay ranging from no copay to $375, including a $375 copay per stay for observation services, while outpatient substance abuse sessions require a $40 copay and no coinsurance.
Partial Hospitalization See details
Aetna Medicare Signature (HMO-POS) covers partial hospitalization benefits with a copayment of either $55.00 or $180.00 and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
Aetna Medicare Signature (HMO-POS) covers ambulance services with prior authorization, requiring a $325 copay and no coinsurance for ground ambulance services, and a 20% coinsurance with no copay for air ambulance services. Transportation services to health-related locations are not covered by this plan.
Emergency Services See details
Aetna Medicare Signature (HMO-POS) covers emergency services with a $150 copay and no coinsurance, which is waived if admitted to the hospital within 24 hours, and urgent care with a $50 copay and no coinsurance. Worldwide emergency, urgent, and transportation services are also covered with no coinsurance and copays ranging from $150 to $325, up to a $250,000 plan limit.
Primary Care See details
Aetna Medicare Signature (HMO-POS) offers primary care physician services with no copay and no coinsurance, while specialist visits, physical therapy, and occupational therapy require a $35 copay and no coinsurance. Mental health, psychiatric, and opioid treatment services carry a $40 copay and no coinsurance, whereas podiatry, routine chiropractic, and other chiropractic services are not covered. Telehealth benefits are also available with a $0 to $50 copay and 20% coinsurance, with prior authorization required for telehealth, mental health, psychiatric, and opioid services.
Preventive Services See details
Preventive Services are partially covered by Aetna Medicare Signature (HMO-POS), offering no copay and no coinsurance for most services like annual physical exams, health education, and screenings. While kidney disease education requires a 20% coinsurance with no copay, several options such as in-home safety assessments, personal emergency response systems, medical nutrition therapy, and weight management programs are not covered.
Hearing Services See details
Aetna Medicare Signature (HMO-POS) offers partially covered hearing services with no copay and no coinsurance for routine exams, fitting evaluations, and up to two prescription hearing aids per year with a $1,250 maximum limit per ear. OTC hearing aids, as well as inner ear, outer ear, and over the ear prescription hearing aids, are not covered.
Vision Services See details
Aetna Medicare Signature (HMO-POS) covers vision services with no copay, no coinsurance, and no deductible for routine and Medicare-covered eye exams and eyewear. Prescription eyewear, including lenses, frames, and contact lenses, is covered up to a combined maximum plan benefit of $200 per year.
Dental Services See details
Dental services are partially covered by Aetna Medicare Signature (HMO-POS), featuring a $35 copay and no coinsurance for Medicare-covered dental, and no copay or coinsurance for preventive cleanings, exams, and x-rays. Comprehensive services like endodontics and prosthodontics are covered with no copay and 20% to 50% coinsurance up to a $1,500 yearly maximum. Fluoride treatments, implants, orthodontics, maxillofacial prosthetics, and select diagnostic and preventive services are not covered.
Home Infusion bundled Services See details
Aetna Medicare Signature (HMO-POS) covers home infusion bundled services with no copay, subject to prior authorization. Under this benefit, Medicare Part B insulin drugs require a $35 copay and no coinsurance, while chemotherapy, radiation, and other Part B drugs have no copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by Aetna Medicare Signature (HMO-POS) with no copay and a 20% coinsurance. Prior authorization is required to receive these services.
Medical Equipment See details
Aetna Medicare Signature (HMO-POS) covers medical equipment, including durable medical equipment (DME), prosthetics, and diabetic supplies, with no copay and prior authorization required. Coinsurance ranges from no coinsurance to 20% depending on the item, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under Aetna Medicare Signature (HMO-POS) with prior authorization, featuring no copay for lab services and a $0 to $20 copay with no coinsurance for diagnostic procedures. Outpatient X-rays require a $15 copay plus coinsurance, diagnostic radiological services have a copay starting at $0, and therapeutic radiological services carry a minimum 20% coinsurance.
Home Health Services See details
Home Health Services are covered by Aetna Medicare Signature (HMO-POS) 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 (HMO-POS) with no coinsurance. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered and require copayments ranging from $15 to $25.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by Aetna Medicare Signature (HMO-POS) with no coinsurance, requiring prior authorization but no prior three-day inpatient hospital stay. There is no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100, though additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Aetna Medicare Signature (HMO-POS) partially covers other services, providing an annual wellness exam, screening mammography, and additional gFOBT and FIT with no copay and no coinsurance. Acupuncture, over-the-counter (OTC) items, and meal benefits are not covered.
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