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Understanding 2025 Medicare Advantage PPO plans

With ${company} Medicare Advantage PPO plans, you can visit providers in or out of our provider network who accept Medicare and our plan terms. That can help you balance your choices with your budget.

Man with Aetna Medicare Advantage PPO plan holding a tablet

How do 2025 Aetna Medicare Advantage PPO plans work?

Preferred provider organization (PPO) plans let you choose any provider who accepts Medicare and our plan terms. You don’t need a referral from a primary care provider (PCP) for specialist or hospital visits. However, using providers in your plan’s network may cost less.

Comparing 2025 Aetna Medicare Advantage plans

Our Medicare Advantage HMO plans

Our Medicare Advantage HMO-POS plans

Our Medicare Advantage PPO plans

Preventative 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 plans

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

Yes, if plan has Rx coverage

Yes, if plan has Rx coverage

Yes, if plan has Rx coverage

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 2025 Aetna Medicare Advantage plans

Our Medicare Advantage HMO plans

Preventative 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 plans

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

Yes, if plan has Rx coverage

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

Preventative 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

Yes, if plan has Rx coverage

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

Preventative 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

Yes, if plan has Rx coverage

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.

Questions? We’ve got answers

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