Available Aetna Medicare Advantage Plans
All Medicare Advantage plans, including Aetna's, are required to provide the same coverage as Original Medicare (Part A and Part B). Most Aetna plans also bundle Part D prescription drug coverage and extra benefits that are not covered by parts A, B, or D.
Did You Know: While you can get an Aetna Medicare Advantage plan without prescription drug coverage, some of their best discounts come from packaging Part C and Part D together into one simple plan.
Below are the different kinds of Part C plans that are currently available through Aetna.
HMO
Aetna's traditional Health Maintenance Organization (HMO) functions like any HMO insurance plan; you will need to seek treatment within a network of preapproved doctors and medical facilities. You may also need prior authorization to visit a specialist or to acquire certain medical services. With a standard HMO, you do not have coverage outside of your network unless it is for medical emergencies or certain predetermined treatments. The standard HMO plan is best for older adults who do not plan on traveling out of state often, as this can increase the risk of expensive, out-of-network treatment.
HMO-POS
Aetna's HMO Point-of-Service (POS) plans still operate within a network. However, with the POS option, you can go outside of your network and still get partial coverage. You will be covered for most out-of-network treatments, but you will pay more than you would for in-network treatments. HMO-POS is a good option for those who want a little extra freedom to travel out of their network of health care providers without the risk of having zero coverage.
HMO D-SNP
Aetna's HMO Dual Eligible Special Needs Plan (D-SNP) is only available to people who qualify for both Medicare and Medicaid. These plans are often best for seniors with disabilities, low fixed incomes, or both. Typically, a D-SNP plan covers more and requires fewer out-of-pocket costs than a standard HMO or HMO-POS plan.
PPO
Aetna's Preferred Provider Organization (PPO) allows you to see any doctor that accepts Medicare. You are not required to stay in-network to get your full coverage. That said, you still have a network in which you can save on treatment costs. As an added bonus, PPO plans generally do not require preapproval or referrals to see specialists or undergo special treatments. Aetna's PPO plan is best for older adults who want more freedom to choose their doctor and have greater coverage wherever they go. In some cases, an Aetna PPO plan will even cover emergency care and treatments outside of the U.S.
