Aetna Medicare Value Plus (PPO) Medicare Advantage Plan H5521-490 • 2026 • Oldham County, KY

Aetna Medicare Value Plus Overview

Plan Overview for Aetna Medicare Value Plus

This Medicare Advantage MAPD PPO plan combines hospital, medical, and prescription drug coverage and allows access to Medicare-approved providers. The monthly premium is $38.40, and the plan includes Medicare Part A and Part B benefits along with integrated prescription drug coverage. The annual Part D deductible is $615.00.

Primary care visits have a $0 copay | Out-of-network: 50% coinsurance, while specialist visits come with a $0-$35 copay | Out-of-network: 50% coinsurance. Urgent care services carry a $50 copay, and ground ambulance transportation is $285 copay | Out-of-network: $285 copay. These costs apply toward the annual maximum out-of-pocket (MOOP) limit of $5500.00. After this limit is reached, in-network services are fully covered for the remainder of the year.

This plan is listed by CMS under Plan ID H5521-490. Cost-sharing details for key services are provided below.

Cost-Sharing Overview

Aetna Medicare Value Plus includes cost-sharing, which refers to out-of-pocket expenses for covered healthcare services. The table below outlines the most common in-network out-of-pocket costs associated with plan H5521-490.

Certain preventive services are covered 100% by Aetna Medicare Value Plus as a Part B benefit.

Prescription Drug Coverage

Aetna Medicare Value Plus includes a Medicare Part D prescription drug plan (PDP). Plan type and coverage level are defined by CMS and may vary between basic and enhanced benefit designs.

This plan includes an enhanced benefit Medicare Part D plan (PDP), providing coverage beyond the standard CMS-defined minimum.

Prescription Drug Plan Premium

The Part D prescription drug plan premium is included in the overall Medicare Special Needs Plan cost. Additional adjustments may apply through the Low-Income Subsidy (LIS) program, also known as Extra Help, administered by Social Security. LIS benefits are separate from Medicare Special Needs Plan coverage.

For more details, visit the Social Security Extra Help program .

Prescription Drug Plan Deductible

This plan has a $615.00 annual Part D deductible. You'll pay this deductible at the pharmacy before Aetna Medicare starts contributing towards your prescription costs.

Prescription Drug Plan Out-of-Pocket Costs

Beyond premiums and deductibles, Aetna Medicare Value Plus may have additional costs at pharmacies. The table below outlines out-of-pocket expenses by drug tier.

CMS 5-Star Ratings

Medicare Advantage (Part C) and Part D plans are rated each year by CMS on a 5-star scale. Ratings summarize plan performance across clinical care and member experience measures.