Understanding 2026 Medicare Advantage HMO-POS plans

With ${company} Medicare Advantage HMO-POS plans, you have a network of providers to use for medical care. Our HMO-POS plans generally require you to use a network provider for medical care. But there are options to go out of network for dental care. That gives you more choice and flexibility.

Woman with Aetna Medicare Advantage HMO-POS plans looking at flowers

How do 2026 Aetna Medicare Advantage HMO-POS plans work?

Health maintenance organization with point of service (HMO-POS) plans generally offer you more choice than traditional health maintenance organization (HMO) plans. You’ll want to choose an in-network primary care provider. Generally, HMO-POS plans require you to use an in-network provider for medical care. And these plans provide you with the flexibility to go to licensed dentists either in or out of our network for routine dental care. However, you may pay more for out-of-network care you receive.

Comparing 2026 Aetna Medicare Advantage plans

	Our Medicare Advantage HMO plans	Our Medicare Advantage HMO-POS plans	Our Medicare Advantage PPO plans
Preventive services covered	Yes	Yes	Yes
Requires you to use a network provider	Yes, unless it’s an emergency	Varies by plan	No. But seeing out-of-network providers generally costs more.
Requires you to have a primary care provider (PCP)	Varies by plan	Varies by plan	Usually no PCP required
Requires referral to see a specialist	Varies by plan	Varies by plan	Varies by plan
Monthly premiums	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
Medical deductible	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
Limits what you pay out-of-pocket for covered medical care each year	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)
Over-the-counter (OTC) benefit	Varies by plan	Varies by plan	Varies by plan
Meals-at-home program (meals delivered after an inpatient hospital or skilled nursing facility stay)	Varies by plan	Varies by plan	Varies by plan

Comparing 2026 Aetna Medicare Advantage plans

Our Medicare Advantage HMO plans
Preventive services covered	Yes
Requires you to use a network provider	Yes, unless it’s an emergency
Requires you to have a primary care provider (PCP)	Varies by plan
Requires referral to see a specialist	Varies by plan
Monthly premiums	Varies by plan, check your ZIP code for details
Medical deductible	Varies by plan, check your ZIP code for details
Limits what you pay out-of-pocket for covered medical care each year	Yes
Includes prescription drug (Rx) coverage	Varies by plan
Includes Rx mail-order benefit	Varies by plan
Dental, vision and hearing coverage	Yes
ER and urgent care coverage worldwide	Yes
Fitness benefit	Yes, through SilverSneakers® except Institutional Special Needs Plans (I-SNP)
Over-the-counter (OTC) benefit	Varies by plan
Meals-at-home program (meals delivered after an inpatient hospital or skilled nursing facility stay)	Varies by plan

Our Medicare Advantage HMO-POS plans
Preventive services covered	Yes
Requires you to use a network provider	Varies by plan
Requires you to have a primary care provider (PCP)	Varies by plan
Requires referral to see a specialist	Varies by plan
Monthly premiums	Varies by plan, check your ZIP code for details
Medical deductible	Varies by plan, check your ZIP code for details
Limits what you pay out-of-pocket for covered medical care each year	Yes
Includes prescription drug (Rx) coverage	Varies by plan
Includes Rx mail-order benefit	Varies by plan
Dental, vision and hearing coverage	Yes
ER and urgent care coverage worldwide	Yes
Fitness benefit	Yes, through SilverSneakers®
Over-the-counter (OTC) benefit	Varies by plan
Meals-at-home program (meals delivered after an inpatient hospital or skilled nursing facility stay)	Varies by plan

Our Medicare Advantage PPO plans
Preventive services covered	Yes
Requires you to use a network provider	No. But seeing out-of-network providers generally costs more.
Requires you to have a primary care provider (PCP)	Usually no PCP required
Requires referral to see a specialist	Varies by plan
Monthly premiums	Varies by plan, check your ZIP code for details
Medical deductible	Varies by plan, check your ZIP code for details
Limits what you pay out-of-pocket for covered medical care each year	Yes
Includes prescription drug (Rx) coverage	Varies by plan
Includes Rx mail-order benefit	Varies by plan
Dental, vision and hearing coverage	Yes
ER and urgent care coverage worldwide	Yes
Fitness benefit	Yes, through SilverSneakers® except Institutional Special Needs Plans (I-SNP)
Over-the-counter (OTC) benefit	Varies by plan
Meals-at-home program (meals delivered after an inpatient hospital or skilled nursing facility stay)	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.

${company} Medicare Advantage HMO

With our HMO plans, an in-network primary care provider coordinates the care you receive to help you achieve your best health.

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${company} Medicare Advantage PPO plans

With our preferred provider organization (PPO) plans, you can visit providers, in or out of network, who accept Medicare and ${company} plan terms. The freedom is yours.

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${company} Medicare Advantage D-SNPs

Our Dual Eligible Special Needs Plan (D-SNP) is a type of Medicare Advantage plan, available to people living in our service area who are eligible for both Medicare and Medicaid. We can help you find out if you qualify.

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Understanding 2026 Medicare Advantage HMO-POS plans

How do 2026 Aetna Medicare Advantage HMO-POS plans work?

Comparing 2026 Aetna Medicare Advantage plans

Comparing 2026 Aetna Medicare Advantage plans

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Understanding 2026 Medicare Advantage HMO-POS plans

How do 2026 Aetna Medicare Advantage HMO-POS plans work?

Comparing 2026 Aetna Medicare Advantage plans

Comparing 2026 Aetna Medicare Advantage plans

Find Medicare Advantage plans for every need

${company} Medicare Advantage HMO

${company} Medicare Advantage PPO plans

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