Understanding 2026 Medicare Advantage HMO plans
With ${company} Medicare Advantage HMO plans, you choose an in-network primary care provider (PCP). Your PCP works with you to help you get the right care at the right time so you can achieve your best health.
How do 2026 Aetna Medicare Advantage HMO plans work?
A health maintenance organization (HMO) gives you access to a network of doctors and hospitals. Your plan requires you to use these network providers. Your HMO plan may also require you to get a referral from a PCP for hospital care and specialist visits. There are limited out-of-network benefits with an HMO plan.
Comparing 2026 Aetna Medicare Advantage plans
Our Medicare Advantage HMO plans | Our Medicare Advantage HMO-POS plans | Our Medicare Advantage PPO plans | |
|---|---|---|---|
| Yes | Yes | Yes |
| Yes, unless it’s an emergency | Varies by plan | No. But seeing out-of-network providers generally costs more |
| Varies by plan | Varies by plan | Usually no PCP required |
| Varies by plan | Varies by plan | Varies by plan |
| Varies by plan, check your ZIP code for details | Varies by plan, check your ZIP code for details | Varies by plan, check your ZIP code for details |
| Varies by plan, check your ZIP code for details | Varies by plan, check your ZIP code for details | Varies by plan, check your ZIP code for details |
| Yes | Yes | Yes |
Includes prescription drug (Rx) coverage
|
Varies by plan
| Varies by plan | Varies by plan |
| Includes Rx mail-order benefit |
Varies by plan
| Varies by plan | Varies by plan |
| Dental, vision and hearing coverage |
Yes
| Yes | Yes |
| ER and urgent care coverage worldwide |
Yes
| Yes | Yes |
Fitness benefit |
Yes, through SilverSneakers® except Institutional Special Needs Plans (I-SNP)
| Yes, through SilverSneakers® | Yes, through SilverSneakers® except Institutional Special Needs Plans (I-SNP) |
| Varies by plan | Varies by plan | Varies by plan |
| Varies by plan | Varies by plan | Varies by plan |
Find Medicare Advantage plans for every need
Aetna® Medicare offers you other Medicare Advantage plan options with monthly plan premiums as low as $0. We can help you find a plan that’s right for you.
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