Compare 2026 Aetna Medicare Advantage Plans

Understanding Aetna Medicare Advantage Costs in 2026

Each Aetna plan has its own pricing structure. The main costs to compare include:

• Monthly premiums – Some as low as $0, though you’ll still pay your Part B premium.

• Deductibles – In 2026, Part D deductibles cap at $615, but many Aetna plans waive them for key items like vaccines and insulin.

• Copayments – Primary care may be as low as $0; specialists typically higher.

• Out-of-pocket maximums – Protect you from unlimited expenses by setting a yearly limit.

Even if you pick a $0 premium plan, review the deductibles and copays to understand the true yearly cost.

Plan Types Available

Aetna’s 2026 lineup includes:

• HMOs – Lower costs, in-network restrictions, referrals required.

• PPOs – More provider flexibility, higher OON costs.

• HMO-POS – Hybrid models with some out-of-network allowances.

• Special Needs Plans (SNPs) – Tailored for dual-eligibles, chronic conditions, or institutional care.

• Aetna Medicare Eagle – Built for veterans who already receive VA drug coverage.

Prescription drug coverage is included in most plans (MAPDs), though some medical-only plans are also available.

Coverage Beyond Original Medicare

Aetna Medicare Advantage plans expand on what Parts A and B provide. Depending on the plan, you may get:

• Vision exams and eyewear allowances

• Comprehensive dental (cleanings, X-rays, extractions, sometimes major services)

• Hearing care and hearing aid support

• Fitness programs and wellness incentives

• OTC allowances for approved non-prescription items

• Telehealth visits for convenient access

These extras often tip the scales for beneficiaries who want bundled care in one plan.

Factors That Affect Costs

Three main elements shape what you’ll pay with Aetna in 2026:

• Location – Availability and pricing vary by state and county.

• Network use – Staying in-network usually means far lower costs.

• Utilization – More frequent doctor visits, procedures, or prescriptions = higher yearly spending.

Aetna also offers financial assistance options, such as the Extra Help program for drug costs and Medicaid coordination for dual-eligibles.

Aetna continues to perform well in CMS ratings, with most members enrolled in plans rated 4 stars or higher.

• Pros: Strong member support, broad plan variety, above-average preventive care programs.

• Cons: Some regional limits in provider networks, and higher copays for certain specialties in select markets.

Independent scores from J.D. Power and NCQA confirm Aetna’s consistent performance compared to other top carriers.

You can sign up or switch into an Aetna Medicare Advantage plan during:

• Initial Enrollment Period (IEP): Your first 7-month Medicare eligibility window.

• Annual Enrollment Period (AEP): Oct 15–Dec 7, effective Jan 1.

• Medicare Advantage Open Enrollment (MA OEP): Jan 1–Mar 31 (switch once or go back to Original Medicare).

• Special Enrollment Periods (SEPs): Triggered by events like moving or losing other coverage.

Aetna Medicare Advantage plans in 2026 balance affordability, strong benefits, and reliable customer support. With options ranging from $0 premium HMOs to flexible PPOs and specialized SNPs, Aetna offers plans for nearly every budget and healthcare need. The added extras—like dental, vision, hearing, OTC, and fitness benefits—make Aetna competitive across the board.

But remember: the best plan is the one that matches your prescriptions, doctors, and budget. That’s why reviewing options side by side is crucial before enrolling.

👉 Call 1-833-641-4938 today to get free, personalized help comparing Aetna Medicare Advantage and MAPD plans for 2026. Our licensed agents will walk you through costs, coverage, and benefits so you can choose with confidence.