Aetna Medicare Full Dual Select (HMO D-SNP) in Indian River County, Florida — 2026 plan details
Last updated Jul 18, 2026
Reviewed by Jason Burns, Editorial Steward
Published by Senior Direct Answers · Licensed under Citation License 1.0
Aetna Medicare Full Dual Select (HMO D-SNP) (H1609-092) is a $0-premium Medicare Advantage HMO D-SNP from CVS Health Corporation available in Indian River County, Florida in 2026, with a 4.5-star overall rating, a $9,250 in-network out-of-pocket maximum, and a $615 annual Part D drug deductible.
Plan facts (CMS CY2026 Landscape file)
| Organization | CVS Health Corporation |
|---|---|
| Plan name | Aetna Medicare Full Dual Select (HMO D-SNP) |
| Contract ID | H1609 |
| Plan ID | 092 |
| Segment ID | 0 |
| Contract year | 2026 |
| Contract category | SNP |
| Plan type | HMO D-SNP |
| SNP | Yes — Dual-Eligible |
| Monthly consolidated premium | $0.00 |
| Part C premium | $0.00 |
| Part D basic premium | $1.40 |
| Part D total premium | $0.00 |
| Annual Part D deductible | $615.00 |
| Maximum out-of-pocket (in-network) | $9250.00 |
| Overall star rating | 4.5 |
How this plan is structured
- $0 consolidated premium. A $0 or near-$0 consolidated premium does not remove the Part B premium — the standard 2026 Part B premium is $202.90 per month and still applies. See the 2026 Medicare Part B premium.
- HMO D-SNP plan type. In an HMO-style Medicare Advantage plan, in-network care and primary-care referral rules generally apply. See how Medicare Advantage HMO and PPO plans differ.
- $9,250 in-network out-of-pocket maximum. The MOOP is the annual cap on what a member pays in-network for covered Part A and Part B services. See how the Medicare Advantage MOOP works.
- Service area = Indian River County. Medicare Advantage plans are sold by service area; moving out of the plan's service area triggers a Special Enrollment Period to switch plans. See how moving changes your Medicare options.
How it compares in Indian River County
The CMS CY2026 Landscape file lists 96 Medicare Advantage plans in Indian River County, Florida, of which 5 carry a 5.0-star overall rating and 73 have a $0 consolidated monthly premium. Consolidated premiums range from $0.00 to $184.00 per month, and in-network out-of-pocket maximums range from $500.00 to $9250.00.
Other 5.0-star Medicare Advantage plans in Indian River County (first three alphabetically):
| Plan | Organization | Premium | MOOP |
|---|---|---|---|
| DEVOTED CORE 046 FL (HMO) | Devoted Health, Inc. | $0.00 | $4900.00 |
| DEVOTED CORE 066 FL (HMO) | Devoted Health, Inc. | $0.00 | $4900.00 |
| DEVOTED DUAL 039 FL (HMO D-SNP) | Devoted Health, Inc. | $3.90 | $4900.00 |
For the full county plan directory, see all Medicare plans in Indian River County, Florida.
How to verify your doctors take this plan
Network participation changes throughout the year; we hold no provider-network data, so verify directly with these three sources before you decide:
- Open the plan's official Medicare.gov page and use its provider-directory link: Medicare.gov Plan Finder — H1609-092.
- Call the plan (CVS Health Corporation) using the member-services number listed on that plan page and ask whether each doctor, hospital, and pharmacy is in-network for 2026.
- Get free, unbiased help from your State Health Insurance Assistance Program (SHIP) — see free unbiased Medicare help from SHIP.
What H1609-092 means
CMS assigns every Medicare Advantage and Part D offering a plan identifier made of three parts. In H1609-092, the leading H marks the contract type (H = Medicare Advantage / Part C contract), the four digits 1609 are the contract number issued to the organization, and the three-digit 092 is the plan benefit package under that contract. The segment ID 0 identifies the service-area segment within the plan (0 = the default single segment).
Frequently asked questions
Is Aetna Medicare Full Dual Select (HMO D-SNP) an HMO or PPO?
Aetna Medicare Full Dual Select (HMO D-SNP) is an HMO D-SNP — a Health Maintenance Organization-style Medicare Advantage plan, meaning in-network care and referral rules generally apply.
Does Aetna Medicare Full Dual Select (HMO D-SNP) include prescription drug coverage?
Yes — Aetna Medicare Full Dual Select (HMO D-SNP) is a Medicare Advantage plan with prescription drug coverage (MA-PD) and a $615.00 annual Part D drug deductible for 2026.
What is the maximum out-of-pocket cost for Aetna Medicare Full Dual Select (HMO D-SNP)?
The 2026 in-network maximum out-of-pocket limit for Aetna Medicare Full Dual Select (HMO D-SNP) is $9250.00, per the CMS CY2026 Landscape file.
What counties offer Aetna Medicare Full Dual Select (HMO D-SNP) (H1609-092)?
Aetna Medicare Full Dual Select (HMO D-SNP) (H1609-092) is offered in two Florida counties: Indian River County and St. Lucie County.
Sources
- CMS, Plan Year 2026 Medicare Advantage & Part D Landscape source file (March 2026) — retrieved 2026-07-18. Overall star rating year: 2026.
- Medicare.gov Plan Finder — compare plans and enroll.