CVS Aetna Medicare Advantage Plans Delaware 2025

Navigating CVS/Aetna Medicare Advantage plans in Delaware comes with choices tailored for your health and financial well-being.

This guide introduces the features and benefits of Aetna-backed CVS plans, providing Delaware residents with the detailed information necessary to make an informed decision regarding their Medicare coverage.

 

Key Takeaways

 

  • CVS Health provides tailored care through specialized support for chronic conditions, advanced analytics, and no-cost annual health visits, alongside additional health benefits such as fitness memberships and safety items allowances.

 


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Exploring CVS Health Medicare Advantage in Delaware

 

CVS Aetna Medicare Advantage Plans Delaware 2025, Exploring CVS Health Medicare Advantage in Delaware

 

Aetna Medicare Advantage plans, under the umbrella of CVS Health, provide an all-encompassing healthcare package to Delaware residents. This integrated approach to healthcare involves a comprehensive blend of hospital, medical, and prescription benefits.

One standout feature is the additional wellness and fitness coverage, which aims to maintain and improve enrollees’ health.

These Medicare Advantage plans notably include substantial Medicare Advantage prescription drug coverage. CVS Health’s dedication to cost savings and comprehensiveness is evident in the robust prescription drug coverage available to Delaware residents.

 

Your Guide to Plan Options

CVS Health’s Medicare Advantage plans offer Delaware residents the option to select either HMO (Health Maintenance Organization) or PPO (Preferred Provider Organization) plans. HMO plans typically require members to use network providers and select a primary care physician.

On the flip side, PPO plans offer more flexibility, allowing the use of out-of-network providers at a higher cost.

The choice between HMO and PPO plans ultimately depends on one’s unique healthcare needs, preferences, and the way they wish to handle healthcare expenses.

 

Understanding Prescription Drug Coverage

The prescription drug coverage in Delaware’s CVS Health Medicare Advantage plans is tailored for utmost convenience and accessibility. Members have the luxury of choosing from a large network of pharmacies with over 66,000 options. This broad network ensures that prescription medications are always within your reach.

Further, prescription drug plan customers have access to a comprehensive formulary list, which provides guidance on both covered and non-covered prescription drugs.

To top it off, the prescription drug coverage is structured for cost-effectiveness, featuring copayment tiers and a notable $0 deductible on all Tier 1 and Tier 2 drugs.

 

Navigating Mental Health Services

Mental health plays a crucial role in overall well-being. Recognizing this, CVS Health Medicare Advantage plans in Delaware offer comprehensive mental health coverage. This coverage includes a variety of options such as hospital stays, outpatient care, and therapy sessions.

Members in Delaware have the liberty to access mental health benefits through CVS Health Medicare Advantage plans’ extensive network of providers, as well as state Medicaid programs. This ensures timely and appropriate care when you need it the most.

From individual and group psychotherapy to clinical social worker appointments, these plans cover a range of mental health services, ensuring members receive the support they need.

Personalized Health Care with CVS Health

 

CVS Aetna Medicare Advantage Plans Delaware 2025, Personalized Health Care with CVS Health

 

CVS Health leads the way in providing tailored support for members battling rare, complex, and chronic conditions. A specialized team assists with symptom management, proper medication use, and overall daily health improvement.

Through advanced analytics, CVS Health offers the following services:

  • Identifying the most effective interventions and the best timing for engaging with patients

 

  • Medical management programs, including the use of ActiveHealth management tools, to review patient information and address care gaps and safety concerns like drug interactions

 

  • swift services to simplify the administration of health care benefits, reduce costs, and empower consumers to make informed decisions.

 

Annual Healthy Home Visits

As a member of a CVS Health Medicare Advantage plan, you are eligible for the following no-cost annual visits:

  • Healthy home visits: These visits offer a comprehensive health risk assessment and a non-invasive physical exam.

 

  • ‘Welcome to Medicare’ preventive visit: This visit is designed to support your well-being as you enter Medicare.

 

  • Annual wellness visit: This visit is conducted annually to assess your overall health and create a personalized prevention plan.

 

These annual healthy home visits are catered through Signify Health, a CVS Health company. This ensures that the services are delivered conveniently and tailored to individual member needs.

 

Fitness and Wellness Perks

CVS Health Medicare Advantage plans promote a healthy lifestyle by offering SilverSneakers fitness memberships at no additional cost. This membership grants access to:

  • Over 15,000 fitness locations

 

  • Virtual resources nationwide

 

  • Fitness classes at gyms

 

  • On-demand classes to support both physical and mental health.

 

To enhance the fitness benefits, an enhanced fitness reimbursement benefit was introduced in 2024. This allows members to allocate their allowance toward various activities they enjoy, including pickleball, golf, and fitness supplies.

The plans also provide an annual allowance for home and bathroom safety items to support fall prevention, offering expanded money-saving benefits.

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Seamless Access to Care

 

CVS Aetna Medicare Advantage Plans Delaware 2025

 

MinuteClinic services and virtual care options facilitate easy access to care. MinuteClinics provides a suite of services such as:

  • Treatment for minor illnesses

 

  • Vaccinations

 

  • Physicals

 

  • Wellness screenings

 

After meeting the deductible, Aetna CVS Health plans to offer $0 preventive care at these locations.

With over 1,000 MinuteClinic locations offering walk-in visits with extended evening and weekend hours, care is always within reach.

Furthermore, Aetna Medicare Advantage plans include telehealth services, allowing members to access health professionals 24/7 via phone or video chat.

 

Network Strengths

The Aetna Medicare Advantage network comprises a diverse range of in-network providers, granting beneficiaries the opportunity to access numerous specialists and facilities, including the Aetna Medicare pharmacy network.

Beneficiaries generally do not need a referral to see a specialist within the network, providing greater flexibility in accessing care.

Members can utilize online resources provided by CVS Health to easily locate participating healthcare providers in their community and ensure their prescriptions are covered.

 

Out-of-Network Flexibility

For those who prefer a greater degree of flexibility, Aetna Medicare Advantage PPO plans allow members to see any provider who accepts Medicare without needing a referral for specialist or hospital visits.

However, it’s worth noting that members who choose to use out-of-network providers under these plans will generally incur higher costs.


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Financial Advantages for Members

 

CVS Aetna Medicare Advantage Plans Delaware 2025, Financial Advantages for Members

 

Financial advantages are a key focus in the design of CVS Health Medicare Advantage plans, offering convenient and affordable benefits. The plans include options with a $0 premium, making them accessible to a vast majority of Medicare-eligible beneficiaries.

For individuals who are dual-eligible or qualify for Extra Help, Aetna provides special plans like D-SNPs which offer additional financial savings and benefits.

Furthermore, Aetna has enhanced Medicare Advantage plans by ensuring stable or reduced member out-of-pocket costs and implementing a maximum limit on out-of-pocket expenses for covered services.

 

Premium and Cost Share Innovations

Aetna’s 2025 Medicare Advantage plans present an expanded portfolio with the following features:

  • $0 monthly premium option

 

  • Greater flexibility for members to manage their everyday expenses

 

  • Select plans include $0 copays for primary care visits

 

  • Select plans include $0 copays for Tier 1 drugs

 

These options provide life insurance coverage and varied choices for members based on their healthcare needs.

Additional benefits in these plans offer potential savings on premiums when compared to Original Medicare.

Qualified plan members can take advantage of premium tax credits or subsidies to reduce monthly premium costs. Silver plans even allow for extra savings on deductibles, copays, and coinsurance.

 

OTC and Other Benefit Allowances

CVS Health has enhanced the Extra Benefits Card and over the counter (OTC) benefits on many plans to provide greater financial value. For 2025, Aetna’s Medicare Advantage plans will increase the OTC allowance amount, providing members additional savings on eligible healthcare products.

The Aetna Medicare Payment Card program is expanding, offering a quarterly allowance for in-network care expenses or select OTC wellness items to more plans and states. Members can save on a wide array of health and wellness products through the OTC benefit, including:

  • pain relief

 

  • first aid

 

  • cold and allergy medications

 

  • dental care item

Support Beyond Healthcare

CVS Health broadens its support to include areas beyond healthcare. The Extra Benefits Card provided to all D-SNP members features an Extra Supports Wallet that can be used for expenses such as:

  • utilities

 

  • rent

 

  • mortgage

 

Additionally, Aetna Resources for Living™ offers personalized research assistance on a variety of topics to support members in managing daily life tasks.

CVS Health further includes support for members’ mental well-being through Resources for Living, which includes assistance with life skills and household budgeting.

 

CVS Health Resources

Designed to ensure a smoother patient journey, CVS Health, a leading health solutions company, potentially leads to improved health outcomes through its medical management capabilities.

CVS Health’s Resources for Living also offers Here4U, online peer support groups focused on providing a safe space to discuss mental well-being.

 

Strengthened Core Benefits

 

CVS Aetna Medicare Advantage Plans Delaware 2025, Support Beyond Healthcare

 

CVS Health Medicare Advantage plans have now incorporated extensive dental, vision, and hearing benefits, thereby drastically reducing members’ out-of-pocket costs for such crucial services.

The Aetna Medicare Advantage HMO-POS plans provide added value by offering members the flexibility to choose licensed dentists inside or outside the network for their routine dental care.

Enrollment Made Easy

 

CVS Aetna Medicare Advantage Plans Delaware 2025

 

Enrolling in Delaware’s CVS Health Medicare Advantage plans is straightforward and hassle-free. During the Medicare annual enrollment period, which typically occurs from October 15 to December 7 each year, individuals can enroll or make changes to their Medicare plans.

You can enroll by calling a licensed Aetna Medicare agent, using online enrollment tools, or attending local informational events. To obtain more information about CVS Health Medicare Advantage plans, simply dial 1-855-335-1407 to talk to a licensed Aetna Medicare agent.

 

Step-by-Step Enrollment Assistance

Resources such as guidebooks and educational articles are readily available to first-time enrollees, aiding them in understanding Medicare options. Personalized enrollment assistance is also available, including the option to get guidance from a local Aetna agent regarding plan selection.

For those who prefer to enroll online, the official CVS or Aetna Medicare websites provide comprehensive step-by-step enrollment instructions.

 

Transition Support

Medicare Transition Services offers crucial support to individuals aged 65 or older, assisting them in making knowledgeable health coverage decisions as they shift to Medicare Advantage plans.

New Medicare-eligible beneficiaries access resources like the ‘Making Medicare Work for You Guidebook’ and the comprehensive ‘Medicare 101’ series. These include a variety of educational materials such as articles and videos tailored to assist in understanding and navigating the Medicare system.

Summary

In conclusion, CVS Health Medicare Advantage plans in Delaware offer a comprehensive, integrated approach to healthcare. From robust prescription drug coverage to personalized care for complex conditions, these plans cater to a variety of healthcare needs.

With easy enrollment options, financial advantages, and support beyond healthcare, CVS Health is committed to enhancing the Medicare experience for beneficiaries in Delaware.

 

Frequently Asked Questions

 

What does Medicare Part B cover for CVS?

Medicare Part B does not typically cover prescription drugs from retail pharmacies like CVS. Medicare Part B mainly covers outpatient care, physician services, preventive services, and medical supplies.

 

Does Delaware have Medicare Advantage plans?

Yes, Delaware does have Medicare Advantage plans provided by private insurance companies approved by Medicare, offering additional coverage beyond Original Medicare benefits.

Some of the providers in Delaware include Aetna Medicare, Cigna, and Highmark Blue Cross Blue Shield.

 

Are SilverScript and CVS Caremark the same?

Yes, SilverScript is an affiliate of CVS Caremark, offering Medicare Part D plans. If you have any questions, you can contact CVS’s Member Services department on 800.288.9870.

 

What types of Medicare Advantage plans does CVS Health offer in Delaware?

CVS Health offers both HMO and PPO Medicare Advantage plans in Delaware. These options provide a range of choices for beneficiaries seeking coverage.

 

What kind of prescription drug coverage is available under these plans?

CVS Health Medicare Advantage plans in Delaware offer a comprehensive formulary list and a large network of pharmacies for effective prescription drug coverage.

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Speak with a licensed insurance agent

1-844-350-0776
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Mon-Fri : 8am-9pm ET