Aetna Medicare Advantage Plans 2025

Are you considering an Aetna Medicare Advantage plan in 2025?

Get straight to the point with our continually updated up-to-the-minute guide on Aetna Medicare Advantage Plans 2025, featuring new plan features as they become available, as well as cost-saving opportunities and enrollment essentials – all aimed at delivering the health coverage you deserve.


Key Takeaways


  • With a focus on comprehensive healthcare services, some of Aetna’s Medicare Advantage plans may cover preventive and comprehensive dental care, and annual vision and hearing exams, and include SilverSneakers fitness memberships, providing access to fitness facilities and wellness programs.


  • Dedicated support for members during the Medicare Annual Enrollment Period, the use of Health Information Technology for increased healthcare delivery efficiency and cost savings, along with strong Medicare Advantage Star Ratings, highlight Aetna’s commitment to quality member experience and satisfaction.

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Understanding Aetna Medicare Advantage Plans

Aetna, a CVS Health company, has carved a niche for itself in the healthcare industry by offering health solutions through its provision of Medicare Advantage plans.


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These plans, tailored to seniors, offer comprehensive health insurance coverage that addresses their specific needs.

In 2025, Aetna Medicare Advantage maintains its reputation as a strong choice, equipping seniors with dependable healthcare alternatives. Its status as a preferred choice for many seniors underscores Aetna’s commitment to its customers.

Aetna and Humana Medicare Advantage plans have some of the highest enrollees each year due to their outstanding coverage and excellent service.


What is Medicare Advantage?

Medicare Advantage, also known as Medicare Part C, is a type of health insurance plan in the United States.

It provides Medicare benefits through a private-sector health insurer, offering seniors a comprehensive health coverage solution under a medicare contract marketed to them.

Think of it as a centralized source for all your healthcare needs, making the process of obtaining affordable care simpler within the healthcare system.


Aetna’s Role in Medicare Advantage

Aetna has emerged as a trusted provider in this realm, offering diverse Medicare Advantage plans such as HMO, PPO, and Special Needs Plans.

Their dedication to contract renewal and enrollment illustrates the commitment of this leading health solutions company to offering trustworthy health solutions to their clientele.


Key Features of Aetna Medicare Advantage Plans

A significant strength of Aetna’s Medicare Advantage plans lies in their comprehensive health coverage in some plans. These particular plans go beyond the benefits provided by Original Medicare, ensuring that seniors have access to a broad range of healthcare services.

Aetna Medicare Advantage plans stand out in their pursuit of affordability. Some Medicare Advantage plans include cost-saving features like $0 copays for primary care visits, preventive services, and lab tests. They also offer customization based on a member’s location, ensuring that every member gets the most suitable plan for their needs.


Prescription Drug Coverage

Some Aetna Medicare Advantage plans in 2025 may offer Medicare Part D Prescription Drug Plans under the name SilverScript, which include SmartSaver PDP, Choice PDP, and PDP options. This ensures that members have access to a variety of prescription drug coverage options to cater to their unique health needs, including a suitable prescription drug plan.

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The SilverScript SmartSaver PDP stands out with its $0 copays and $0 deductible on Tier 1 drugs. It offers a 90-day supply of Tier 1 drugs at no cost through standard mail-order delivery or at a preferred retail pharmacy.

Meanwhile, the SilverScript Choice PDP offers $2 copays for Tier 1 drugs and a potential $0 monthly plan premium for those qualified for Extra Help.

The SilverScript Plus PDP offers $0 copays for Tier 1 and Tier 2 drugs and additional gap coverage.


Dental, Vision, and Hearing Coverage

Aetna Medicare Advantage plans for 2025 may also include preventive dental care such as oral exams, cleanings, and X-rays.

Certain plans even cover comprehensive services like fillings and extractions, ensuring that members can maintain their oral health without any financial stress.

When it comes to vision and hearing, Aetna doesn’t fall short. Vision benefits include one annual routine exam and an allowance for prescription eyewear. Most plans also feature coverage for hearing aids in partnership with NationsHearing, with full coverage for an annual routine hearing exam and fitting.

This comprehensive coverage for dental, vision, and hearing enriches the overall healthcare services available to Aetna Medicare Advantage members.


Wellness Services and Fitness Benefits

Aetna Medicare Advantage members can take advantage of the SilverSneakers fitness membership, included in both HMO and PPO plans. This membership grants access to various fitness activities at over 15,000 facilities across the nation, including:


  • Gym facilities
  • Exercise classes
  • Swimming pools
  • Walking tracks
  • Yoga and Pilates classes


This program encourages members to stay active and healthy.

In addition to fitness benefits, members also have access to an Annual Wellness Visit after the first year with Medicare Part B, as well as a ‘Welcome to Medicare’ visit within the first 12 months. These visits focus on preventive care and screening, fundamental for early issue detection and long-term health planning.

The Aetna Health℠ app enriches members’ healthcare experience by providing personalized recommendations based on family history screening, aiding early identification of potential inherited health conditions.

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Plan Options: HMO, PPO, and Special Needs Plans

Aetna offers a variety of Medicare Advantage plans to cater to the diverse needs of its members. The options include Health Maintenance Organization (HMO) plans, Preferred Provider Organization (PPO) plans, and Dual-Eligible Special Needs Plans (D-SNPs).


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Each of these plans offers its unique benefits and requirements, ensuring that every member can find a plan that perfectly fits their healthcare needs.

Comprehending these plan options is vital for making a knowledgeable decision. We’ll explore each of these options in greater detail to understand their offerings and differences.


HMO Plans

Aetna’s HMO plans require members to:


  • Choose a primary care provider (PCP) from within the network
  • This ensures that members have a dedicated healthcare professional managing their overall healthcare needs
  • Consider it akin to having a reliable guide on your healthcare journey.


One key feature of Aetna’s HMO plans is the worldwide coverage for emergency room visits and urgent care needs. This means that no matter where you are, you can rest assured that your healthcare needs will be taken care of.


PPO Plans

For individuals seeking greater flexibility in their healthcare plan, Aetna’s PPO plans offer the following benefits:


  • Ability to visit any provider that accepts Medicare and Aetna plan terms
  • No primary care provider assignment or specialist referral required
  • Freedom to choose healthcare providers


Aetna’s Explorer PPO plans also offer worldwide emergency room and urgent care coverage and a cap on yearly out-of-pocket expenses for medical care.

However, members often face higher out-of-pocket costs for out-of-network care, with separate and typically higher out-of-network deductibles and coinsurance rates. The specifics of out-of-network coverage levels and associated costs are detailed in Aetna’s plan documents.


Special Needs Plans

Aetna offers the following plans:


  • Dual-eligible Special Needs Plans (D-SNPs) for individuals who qualify for both Medicare and Medicaid


These behavioral health plans, covered by state Medicaid programs, are tailored to meet the specific needs of members who have complex medical needs and require financial assistance.

Aetna’s D-SNPs are designed to provide additional support for members. From providing additional support for covered part D medications at in-network pharmacies to the Extra Help program that assists eligible Medicare Advantage members in reducing prescription drug costs, Aetna ensures that members with complex needs receive the care they deserve.


Navigating the Medicare Annual Enrollment Period

The Annual Enrollment Period is a significant time for seniors, as it allows for changes to Medicare coverage or enrollment in new plans. Being aware of the designated time frames for enrollment and having all required documentation ready is key to a smooth enrollment process.


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When to Enroll

There are several enrollment periods that you need to be aware of. The Medicare Annual Enrollment Period occurs from October 15 to December 7 each year, allowing changes to Medicare coverage or enrollment in new plans.

Apart from the Annual Enrollment Period, there’s a General Enrollment Period from January 1 to March 31 annually for those who didn’t enroll in Medicare Part A and Part B during their initial eligibility. Medicare Part B penalties may apply.

Special Enrollment Periods enable changes to Medicare Advantage or prescription drug plans under specific conditions.


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And if you’re turning 65, the Initial Enrollment Period for Medicare spans seven months: beginning three months before, including the birthday month, and continuing for three months after.


How to Choose the Right Plan

The process of selecting the right Medicare Advantage plan involves evaluating a variety of factors. Here are the steps to follow:


  1. Consider your health care needs including frequency of doctor visits and presence of chronic conditions.
  2. Evaluate the plan’s financial requirements such as premiums, deductibles, copays, and coinsurance to ensure it fits within your budget.
  3. Review the plan’s network to confirm if your preferred doctors and hospitals are included.
  4. Examine the plan’s star rating to assess the quality and performance of the plan.


We offer Medicare Advantage plan comparison tools here on this website and personalized support to make this process easier for you.

Accessing Affordable Health Care with Aetna

Aetna’s dedication to affordable healthcare is clearly reflected in its Medicare Advantage plans. For instance, Aetna Medicare Advantage HMO plans offer a limit on out-of-pocket expenses for covered medical care annually, which helps make healthcare more affordable for members.

Aetna’s commitment to a strong primary care provider network is foundational to its healthcare services, particularly within its HMO plan offerings. Initiatives like:


  • on-site preventive and wellness care at work locations
  • minimizing the need for travel or time off work for members
  • improving access to essential health services


By enhancing our medical management capabilities and utilizing workers’ compensation administrative services, we minimize the need for travel or time off work for members, improving access to essential personal health care services.


Primary Care Provider Network

Members participating in Aetna’s HMO plans must receive medical services from health care providers in the network, except in emergency situations. This plays a crucial role in ensuring that members have a dedicated healthcare professional managing their overall healthcare needs.

The adoption of Health Information Technology (Health IT) by Aetna has led to the following benefits:


  • Increased efficiency of healthcare delivery
  • Potential cost savings
  • Streamlined administrative functions
  • Improved health outcomes
  • Reduced overall costs for the healthcare system.


Lowering Costs through Health Information Technology Products

From streamlining administrative tasks to improving health outcomes, the adoption of Health IT by Aetna has significantly increased the efficiency of healthcare delivery. This has led to potential cost savings for members, making healthcare more affordable.


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Members of Aetna’s Medicare Advantage Plans have experienced direct cost-savings due to the use of Health IT products, such as electronic health records and telehealth services. This reinforces Aetna’s commitment to leveraging technology to enhance healthcare delivery and affordability.


Member Experience and Support

Aetna Medicare Advantage offers a variety of support resources to members, encompassing personalized assistance and digital tools aimed at enhancing the member experience.

The strong Medicare Advantage Star Ratings of Aetna’s plans manifest the company’s significant investments in member experience and their consistent performance in important quality measures.

In 2025, 87 percent of Aetna Medicare Advantage members are enrolled in plans that have received 4 stars or higher from the Centers for Medicare & Medicaid Services. This underlines the quality and satisfaction associated with Aetna’s plans.


Digital Channels and Convenient Ways to Access Services

Aetna Medicare Advantage provides online tools that offer the following benefits:


  • Recommending plans tailored to the member’s needs
  • Facilitating self-service enrollment and benefits management
  • Allowing members to complete their enrollment application online
  • Providing the option to request help from Aetna representatives either online or via phone if needed.


Aetna provides the Aetna Health website and app, offering members a convenient way to manage their benefits and access healthcare information on the move. The 24-hour Nurse Line is available for members to seek advice from registered nurses anytime, an important aspect of Aetna’s digital support channels.


Personalized Assistance from Licensed Insurance Agents

Aetna Medicare Advantage members receive the advantage of concierge customer support, aimed at resolving their health benefits concerns. The concierge customer support team provides high-touch, dedicated assistance to help members effectively manage their healthcare benefits.


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Licensed insurance agents specifically help elucidate complex healthcare terms and support members in making well-informed decisions regarding their healthcare coverage.

This personalized support system is instrumental in simplifying the healthcare management process, reducing stress and the potential costs for members.

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In summary, Aetna’s Medicare Advantage plans for 2025 may offer comprehensive, cost-effective healthcare solutions tailored to seniors and could be a good choice for you. From diverse plan options and extensive coverage to personalized assistance and digital tools, Aetna is committed to providing quality healthcare services that enhance member experience.

So, are you ready to choose a healthcare plan that genuinely cares for your well-being?

Call us today to learn more about Medicare Advantage plans in your area from many top insurance companies.




Frequently Asked Questions


What are the changes for Aetna for 2025?

Aetna has not yet released any changes for their Medicare Advantage plans in 2025. Bookmark this page to keep checking back.


What state is Aetna Medicare DSNP expanding to in 2025?

In 2024, Aetna Medicare DSNP expanded to 433 new counties across 31 states, including a new market in Maryland and new plan options in Alabama, Arkansas, Louisiana, Mississippi, Pennsylvania, and Utah. Stay tuned for any changes for 2025.


Is there a difference between Aetna Medicare and Aetna Medicare Advantage?

Yes, there is a difference between Aetna Medicare and Aetna Medicare Advantage. Aetna Medicare Advantage is a Part C plan run by Aetna that includes extra benefits not offered by Original Medicare. Aetna Medicare typically refers to Medicare Supplement plans offered by Aetna, which help to supplement Original Medicare Part A and Part B.


How do you qualify to get Medicare Part B give-back from Medicare?

To qualify for the Medicare Giveback, you need to be enrolled in Medicare Parts A and B, pay your own Part B premium, and live in the service area of a plan that offers the giveback benefit. This benefit is not as common as the TV commercials make it seem.


What is a Medicare Advantage Plan?

A Medicare Advantage Plan, also known as Medicare Part C, provides Medicare benefits through a private-sector health insurer in the United States.

Get Started Now

We can help make the process of finding the right Medicare Advantage plan easy.

To get started enter your zip code above to compare plans in your area, and even enroll online yourself!

Or, call us today to speak to one of our licensed insurance agents who can answer your questions and help find the best plan to fit your needs.

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Compare Medicare Plans

Find a plan to fit your needs


Speak with a licensed insurance agent

TTY 711

Mon-Fri : 8am-9pm ET