Aetna Medicare Longevity (HMO I-SNP)

Aetna Medicare Longevity (HMO I-SNP), plan H0628-018-000, is a 2027 Medicare Advantage plan from Aetna Medicare, sold in Ohio. It carries a $0 plan premium with a $9,850 in-network out-of-pocket limit.

This is an institutional special needs plan, built for people who live in a nursing facility or who need that level of care while living somewhere else. Eligibility is not about income: it is about needing long-term institutional care, and it generally has to be expected to last 90 days or more.

CMS records it as a facility-based plan, so it serves residents of the nursing facilities the plan contracts with. Which facilities those are decides whether you can join, and that list comes from the plan rather than from any public file, so it has to be checked for the specific facility.

Care on this type of plan is usually delivered by a clinician who comes to you, rather than by you travelling to appointments. That is the practical difference members notice most, and it is worth asking how often that clinician visits and who covers the gaps.

In network, a primary care visit is $0, a specialist visit is 20% coinsurance, the emergency room is $115 and urgent care is $40. Emergency care and urgently needed services are covered whether or not the provider is in the plan's network, which matters when you are away from home.

An individual mental health visit is 20% coinsurance and occupational therapy is $0.

Physical therapy and speech therapy are covered too, at cost shares the plan lists in its Summary of Benefits rather than in the CMS benefit files, so check those two there.

You pay $0 for the preventive services Original Medicare covers when you use a provider in the plan's network. That includes your annual wellness visit, the recommended screenings for your age, and most vaccines. Preventive care is the easiest value to collect from any Medicare Advantage plan, so book the wellness visit early in the year.

Beyond what Original Medicare covers, this plan includes $250 toward glasses or contacts, $750 toward hearing aids and $170 a year for over-the-counter health items. These allowances almost always have to be used with providers and suppliers the plan works with, so check that before you buy, particularly for hearing aids where the plan usually names its own vendor.

The eyewear allowance covers eyeglasses or contact lenses, and it resets each plan year rather than rolling over, so an unused allowance is lost at the end of December.

Part D prescription drug coverage is included, so you do not need a separate drug plan. Check the plan's formulary, which is its list of covered drugs, for every medicine you take before you enroll.

For 2027, the drug deductible is $700 and your own drug costs are capped at $2,400 for the year.

If a medicine you take is not on the formulary, your prescriber can ask the plan for an exception, and if your income is limited, Extra Help can cut what you pay for drugs regardless of which plan you choose.

Here is how Aetna Medicare Longevity (HMO I-SNP) sits against other plans sold in Lucas County for 2027.

AARP Medicare Advantage from UHC OH-0001 (HMO-POS) has a lower in-network limit at $4,200. AARP Medicare Advantage from UHC OH-0001 (HMO-POS) rates higher at 4 stars.

This plan may fit people in the service area who want a $0 plan premium and are comfortable with a $9,850 ceiling on in-network costs. It is built for people who need nursing-facility-level care, so it is not a fit otherwise.

Like any Medicare Advantage plan, it changes how your Medicare claims are paid. If you travel often, or you want to use any doctor who accepts Medicare without checking a network, compare it against Original Medicare with a Medicare Supplement and a separate drug plan before you decide.

A licensed insurance agent can check all of these against your own doctors and prescriptions at no cost.