Aetna Medicare Full Dual Care (HMO D-SNP)
The Aetna Medicare Full Dual Care (HMO D-SNP) is a 2026 HMO D-SNP Dual Special Needs (D-SNP) plan from Aetna Medicare with a $26.70/mo premium and a 3.5-star CMS rating. It may include allowances for vision, hearing, and otc / flex allowance. It's available in 29 counties across 1 state.
Reviewed by the Medicare Advocates team · 2026 plan year · sourced from CMS data
Offered in 29 counties across 1 state
- Monthly premium$26.70
- Overall star rating3.5 / 5
- In-network max out-of-pocket$9,250
- Vision$250
- Hearing$1,500
- OTC / Flex allowance$3,000
2026 plan-year figures (premium, star rating, MOOP) from the CMS Landscape file; allowance amounts from CMS PBP data. Amounts vary by plan; not all plans offer all benefits.
What the Aetna Medicare Full Dual Care (HMO D-SNP) plan may include
- Vision: up to $250 per year in plan allowance (2026).
- Hearing: up to $1,500 per year in plan allowance (2026).
- OTC / Flex allowance: up to $3,000 per year in plan allowance (2026).
Costs & coverage detail
Annual Part D drug deductible: $615 (2026).
Doctor visits
- Primary care visit20% coinsurance
- Specialist visit20% coinsurance
- Chiropractic (Medicare-covered)20% coinsurance
- Podiatry (Medicare-covered)20% coinsurance
Emergency & urgent care
- Emergency room$115 copay
- Urgent care$40 copay
Tests, labs & imaging
- Diagnostic radiology (CT/MRI/PET)20% coinsurance
Home health & equipment
- Home health care$0
Medical equipment & supplies
- Durable medical equipment (DME)20% coinsurance
Ambulance
- Ground ambulance20% coinsurance
Dental
- Preventive dental (exams, cleanings, X-rays)$0
- Comprehensive dental (restorative)$0
Vision
- Routine eye exam20% coinsurance
- Eyewear (glasses/contacts)20% coinsurance
Hearing
- Hearing aids$0
In-network, Medicare-covered cost sharing for the 2026 plan year (CMS PBP data). Costs vary by service and setting; see the Summary of Benefits for full detail.
Extra benefit allowances
- Eyewear allowance$250 per year
- Hearing aid allowance$1,500 per year
- Over-the-counter (OTC) allowance$250 per month
Preventive services
This plan covers $0 for all preventive services covered under Original Medicare when you use an in-network provider — including annual wellness visits, recommended screenings, and vaccines.
Common questions
- What is the Aetna Medicare Full Dual Care (HMO D-SNP) plan?
- It is a Dual Special Needs (D-SNP) plan (CMS plan ID H5325-012-000) offered by Aetna Medicare for the 2026 plan year. Dual Special Needs (D-SNP) plans are for people who qualify for both Medicare and Medicaid.
- What extra benefits could this plan include?
- Depending on the plan, supplemental benefits may include allowances toward vision, hearing, otc / flex allowance. Amounts shown are for the 2026 plan year and vary by plan and area. A licensed agent can confirm what is available to you.
- Where is this plan available?
- For 2026, this plan is offered in 29 counties across 1 state. Availability and benefits depend on your specific ZIP code.
- How do I enroll or compare plans?
- Call to speak with a licensed insurance agent who can review this plan alongside the other options in your area at no cost. There is no obligation to enroll, and enrollment may be limited to certain times of year unless you qualify for a Special Enrollment Period.
Counties served
Missouri (29 counties)
Andrew, Atchison, Bates, Benton, Buchanan, Caldwell, Carroll, Cass, Clay, Clinton, Daviess, DeKalb, Gentry, Grundy, Harrison, Henry, Holt, Jackson, Johnson, Lafayette, Livingston, Mercer, Nodaway, Pettis, Platte, Ray, Saline, Vernon, Worth
Plan documents
Official 2026 documents for this plan:
Ready when you are.
No cost. No pressure. There is no obligation to enroll.One Advocate, for as long as you’re on Medicare.