Choosing the Right Aetna Plan Start With Your Doctors
Several plans, one real difference: the doctors. Pick your county, match the plan to your care.
Start With Your Doctors
Check the doctors first.
Then compare the premium, the yearly maximum, and the extra benefits among the plans that include them.
The easiest way: our plan comparison tool. Pick your doctors, medications, and pharmacy — and see every plan in your ZIP code that covers them.
What's Available in Your County
Choose your county. The plan list changes — your doctors decide which one fits. Aetna serves San Francisco, Alameda, Yolo, Los Angeles, Orange, and San Diego counties in 2027.
| Plan | Monthly | PCP visit | Yearly max | Medical groups |
|---|---|---|---|---|
Aetna Medicare Signature Extra (HMO) H0523-070. Dental, eyewear, hearing aid, $0 lab, fitness, telehealth. | $0 | $0 | $3,600 | Brown & Toland Phys/Medicare HMO, One Medical, One Medical Group Spec Medicare HMO |
Aetna Medicare Signature (HMO) H4982-007. Dental, eyewear, hearing aid, $0 lab, fitness, telehealth. | $10 | $0 | $3,900 | Brown & Toland Phys/Medicare HMO, One Medical, One Medical Group Spec Medicare HMO |
Aetna Medicare Chronic Care (HMO C-SNP) H0523-095. Chronic-condition plan (diabetes, heart failure, or cardiovascular disorder); OTC + Extra Benefits Card; dental, eyewear, hearing aid, $0 lab. | $0 | $0 | $3,600 | Check the plan directory |
Aetna Medicare Eagle (HMO) H0523-099. Medical only — no prescription drug coverage; Part B premium reduction; dental, eyewear, hearing aid, OTC, $0 lab. | $0 | $0 | $4,450 | Brown & Toland Phys/Medicare HMO, One Medical, One Medical Group Spec Medicare HMO |
Plan details from Aetna's 2027 plan finder (updated 10/1/2026). Always confirm your doctors in the plan's provider directory before you enroll. To compare plans and sign up on your own, use our plan comparison tool.
How the Network Actually Works
You pick a primary care doctor
Every Aetna plan here is an HMO. You choose a primary care doctor, and that doctor's medical group becomes your network — their hospitals, their specialists, their urgent cares.
A hospital being in-network is not enough
The hospital can be covered while your specific doctor is not. Always check your doctors by name in the plan's provider directory — not just the hospital's name.
Ask Yourself Two Questions
Who are your doctors — and which ones would you keep?
I won't switch doctors→ Look each one up by name in the plan's directory first
I'm open to new doctors→ Start with the broadest-network plan in the table above
Do you have diabetes, a heart condition, or another chronic condition?
Yes→ The special-needs (C-SNP) rows may offer extra benefits — ask us
No→ Skip the C-SNP rows in the table
Aetna Plan Questions
Short answers to the questions people ask most about Aetna plans.
How do I choose the right Aetna Medicare Advantage plan?
Start with your doctors, not the premium. Every Aetna plan listed here is an HMO. Within Aetna, plans differ mainly by which medical groups and hospitals they include, so list your doctors first, keep only the plans that include them, and then compare monthly premium, yearly out-of-pocket maximum, and drug coverage among those. Candor checks your doctors by name against every Aetna plan in your county, free.
How many Aetna Medicare Advantage plans are available for 2027?
It depends on your county — Medicare Advantage menus are set county by county. In the 6 counties Candor serves and lists on this page (San Francisco, Alameda, Yolo, Los Angeles, Orange, and San Diego), Aetna offers 29 Medicare Advantage plans for 2027. Your county's lineup may be much smaller than the statewide menu, so compare the plans actually sold where you live. Lineups verified from Aetna's 2027 plan finder.
Can I keep my doctor on a Aetna Medicare Advantage plan?
Only if your doctor is in that specific plan's network. Participation is set plan by plan — a doctor who takes one Aetna plan may not take another Aetna plan in the same county. Before enrolling, confirm the exact plan name and contract number with both the plan's directory and the doctor's office, and re-check every fall, because networks reset on January 1.
Can I enroll in a Aetna plan through Candor Medicare, and what does it cost?
Yes. Candor Medicare is an independent agency appointed with Aetna and can enroll you directly in its plans. It costs you nothing — Candor is paid by the carrier if you enroll, and your premium is exactly the same as enrolling through Aetna or Medicare.gov. Because Candor is independent, it can also compare Aetna against the other carriers in your county before you decide.
Whenever you're ready, we're here.
No pressure, no pitch. Just an advocate in your corner.
Keep Going
Read up on how Advantage works — or talk your doctors through with us.
About the author
Eric Ullrich
Founder & Licensed Medicare Advisor, Candor Medicare
Eric founded Candor Medicare to fix what he watched go wrong in the industry — advisors pushing plans that paid them more instead of plans that fit the person in front of them. He works directly with Medicare beneficiaries across Florida and California as an independent advisor. Carriers pay a CMS-capped commission when you enroll, and his guidance is free to you.