Aetna Medicare Signature (HMO)
Aetna Medicare · HMO · 2026 coverage
The big numbers
The plan premium is on top of your Part B premium.
- Monthly premium
- $0
- Most you pay in a year for covered care in network
- $2,000
- Lower than most plans here
- Drug deductible
- $615
- Tied for highest here
- Medicare star rating
- 3 of 5
In plain English
Compared with the 21 other plans in Sacramento County that the same person could join.
What stands out
- No monthly premium
- At most $2,000 a year for covered care, lower than most plans here
- $0 for specialist visits, tied for lowest here
- Dental, vision and hearing extras included
Watch out for
- $150 for the emergency room, tied for highest here
- $10 for urgent care, higher than most plans here
- $615 drug deductible, tied for highest here
- You need a referral to see a specialist
What a year could cost
Premiums plus the plan’s copays for three example years. Medicines are not included.
- A light year$0$0 in premiums + $0 for care2 checkups and 2 lab tests.
- A busier year$10$0 in premiums + $10 for careLower than most plans here4 checkups, 4 specialist visits, 4 lab tests, 1 X-ray and 1 urgent care visit.
- A hard year$1,275$0 in premiums + $1,275 for careLower than most plans here6 checkups, 12 specialist visits, 6 lab tests, 2 scans, an ambulance ride, an ER visit and a 5-day hospital stay.
The visit counts are examples we chose to show how costs add up, not a prediction. Your costs depend on the care you get.
What you pay for care
Your cost each time, at doctors and hospitals in the plan’s network.
- Primary care visit$0
- Specialist visit$0Tied for lowest hereReferral needed
- Urgent care$10Higher than most plans here
- Emergency room$150Tied for highest hereNot charged if you stay in the hospital within 24 hours
- Hospital stay$175 a day for days 1 to 5, then $0 for days 6 to 90Plan approval may be needed
- Lab tests$0Referral neededPlan approval may be needed
More care: surgery, X-rays, scans, ambulance, nursing home
- Outpatient surgery center$125Higher than most plans herePlan approval may be needed
- Outpatient hospital care$0 to $175Depends on the service
- X-rays$0Plan approval may be needed
- MRI, CT and other scans$0Plan approval may be needed
- Ground ambulance$250Plan approval may be needed
- Skilled nursing facility$0 for days 1 to 20, then $50 a day for days 21 to 100Plan approval may be needed
From the costs the plan filed with Medicare for 2026. A range like “$0 to $100” means the cost depends on the service or the place. “Lower than most” compares this plan with the 21 other plans in Sacramento County that the same person could join. Read the plan’s 2026 booklet (PDF)
What medicines cost
| Drug tier | Preferred pharmacy | Other network pharmacy |
|---|---|---|
| 1Preferred Generic | $0 | $2 |
| 2Generic | $0 | $12 |
| 3Preferred BrandAfter the deductible | 24% of the price | 24% of the price |
| 4Non-Preferred DrugAfter the deductible | 25% of the price | 25% of the price |
| 5Specialty TierAfter the deductible | 25% of the price | 25% of the price |
For a 1-month supply. The $615 drug deductible applies only to the tiers marked. Covered insulin costs at most $35 for a month’s supply. Your medicine’s tier is on the plan’s drug list; check it below.
Check my medicines
See if this plan covers each medicine you take in 2026, and what a month costs.
Type the name on the bottle. Add the strength to narrow it down.
Add each medicine once. We’ll show if this plan covers it, what a month costs, and any rules.
Extras
Help Original Medicare doesn’t give you.
- Dental IncludedCleanings and exams: $0. Fillings, crowns and dentures: you pay 20% to 50%.Plan pays up to $750 a year.
- Vision IncludedYearly eye exam: $0. Glasses or contacts covered.Eyewear: plan pays up to $125 a year.
- Hearing IncludedHearing test: $0. Hearing aids covered.Hearing aids: plan pays up to $1,250 a year per ear.
- Over-the-counter items IncludedUp to $30 every three months for things like vitamins, pain relief and bandages.Unused money does not carry over.
- Fitness IncludedIncludes gym or fitness classes.
- Rides to care Not included
Is my doctor in this plan?
Look up your doctors, then confirm with their office.
Call each doctor’s office and ask:
“Do you take Aetna Medicare Signature (HMO), plan number H0523-065, for 2026?”