The bottom line: Aetna Medicare Supplement Insurance plans are widely available, as long as you're willing to work with an agent to get one in most states. Aetna gets more member complaints than average, and its prices for popular Plan G are high. Prices are more competitive for Plan N, though.
Unless you’re quoted a spectacular price for an Aetna plan, it’s not a company I’d recommend. Competitors can offer lower prices or better complaint rates. And top-scoring companies like State Farm do both at the same time.
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Aetna Medicare Supplement Insurance plans
Aetna offers just a handful of Medigap plan types, but it has the necessities. Most people new to Medicare choose Plan G or Plan N, both of which Aetna sells.
» MORE: Medigap Plan G vs. Plan N
Plan A is also available — it covers just the basics, but might be cheaper. And if you became eligible for Medicare before 2020, you can buy Plan F. But if you’re newer to Medicare, companies can’t sell Plan F to you anymore.
Aetna’s plans offered in Minnesota and Wisconsin fit each state’s respective standards. (Those states use a different Medigap plan system than most of the country.)
How much does Aetna Medicare Supplement Insurance cost?
Pricey for Plan G, competitive for Plan N
Aetna’s prices can differ a lot between plan types. Its premiums for Plan G were 58% higher than the cheapest company we review, on average. For Plan N, Aetna’s premiums were 21% higher.
The tables below show companies’ lowest prices from Medicare.gov, including any available household discounts. Rates might vary based on factors like age, sex, location and household status.
We compare prices in three cities. Each city has different average Medigap premiums:
Los Angeles: Higher costs.
Atlanta: Average costs.
Dallas: Lower costs.
We use Plan G and Plan N for price comparisons. New Medicare members usually pick one of those plan types.
The sections below show price estimates filed with the Centers for Medicare & Medicaid Services. Prices are for a 65-year-old female nonsmoker. (Note: Some Medigap prices may be higher for males.)
Our tables compare the company’s prices to the cheapest alternative among the companies NerdWallet reviews. Those companies cover nearly 90% of all Medigap beneficiaries.
Why we compare prices the way we do
In short, I want to use realistic prices when rating companies. Comparing prices among the companies we review is a way to exclude outliers, which might not stay cheap (or in business) over time.
I’m in my fifth year reviewing Medicare Supplement Insurance companies for NerdWallet. During that time, I’ve noticed that smaller companies with super-low prices often don’t stick around for long.
For example, I looked back at price quotes I analyzed in March 2024. Seven of what had been the 10 cheapest Plan G companies in Dallas are gone as of July 2026. Many of those were smaller companies we don’t review. But 12 of the 13 companies I reviewed in 2024 are still there in 2026, so they’re a more stable and realistic set to compare.
Plan G
Aetna price | Cheapest reviewed competitor | |
|---|---|---|
Los Angeles | $240. | $191. |
Atlanta | $274. | $140. |
Dallas | $211. | $138. |
Plan N
Aetna price | Cheapest reviewed competitor | |
|---|---|---|
Los Angeles | $164. | $146. |
Atlanta | $141. | $102. |
Dallas | $104. | $93. |
Aetna Medigap discounts
Previously offered — ask an Aetna agent
Discounts can help you save on your Medigap premiums. We often see “household” discounts offered to people living with at least one other adult.
We’ve seen household discounts from Aetna in the past, but they didn’t show up in the prices we analyzed for this review. That could mean Aetna no longer offers these discounts. Or it’s possible the information just didn’t make it to Medicare.gov.
If you work with an agent to get an Aetna quote, it’s worth asking about household discounts. Available discounts can vary according to factors such as your location, household status and how you apply for a policy.
More Nerdy Perspective
Is Aetna a good option for Medicare Supplement Insurance?
Aetna doesn’t get high marks on our Medigap scoring system. It falls short on both prices and complaint rates compared to the stronger companies. For example, State Farm is our all-around top scorer with few complaints and low year-over-year price increases. HealthSpring is our pick if you want low premiums above all. And AARP can offer more plan types, customization options and perks if those are important to you. It couldn’t hurt to get an Aetna quote while you’re shopping. But be sure to compare it with quotes from a few other well-rated companies. Also consider working with a licensed insurance agent or broker to find the best option for you.
Aetna doesn’t get high marks on our Medigap scoring system. It falls short on both prices and complaint rates compared to the stronger companies. For example, State Farm is our all-around top scorer with few complaints and low year-over-year price increases. HealthSpring is our pick if you want low premiums above all. And AARP can offer more plan types, customization options and perks if those are important to you. It couldn’t hurt to get an Aetna quote while you’re shopping. But be sure to compare it with quotes from a few other well-rated companies. Also consider working with a licensed insurance agent or broker to find the best option for you.
Alex Rosenberglead writer covering MedicareCompare against other providers
🔍 AARP/UnitedHealthcare Medigap
» More options in our roundup of the best Medicare Supplement Insurance companies
Compare against other providers
🔍 AARP/UnitedHealthcare Medigap
» More options in our roundup of the best Medicare Supplement Insurance companies
Aetna Medicare Supplement price increases
Premiums rise at average rates
It can be difficult or even impossible to switch Medigap plans or companies after your Medigap open enrollment period because of medical underwriting. If you might stick with the same company for decades, it’s a good idea to consider how its prices change over time.
Over three years of analyzing Medigap price data, I found that Aetna’s premiums rose an average of 8.4% per year in the locations we compare. That’s pretty close to average among the companies we review.
Aetna member complaints
18% more complaints than average
Aetna’s complaint rates have improved since previous years, but they could still be better. Its members file complaints about 18% more often than the average for all Medigap companies. That’s according to 2023 to 2025 data from the National Association of Insurance Commissioners (NAIC).
NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Aetna's spending on care
92.3% for member benefits
Aetna Medigap plans spent about 92.3% of premiums on member benefits, according to the most recent annual data. (The other 7.7% went to overhead expenses like administrative costs, marketing, salaries and commissions.)
That’s well above the all-company average of 84.5%. That means Aetna is spending a lot on benefits and not much on anything else. In the short term, that’s good for members, whose services are being paid for with minimal overhead. In the medium-to-long term, I worry a bit that Aetna will need to make changes — like raising prices or cutting back on its service area, maybe — to remain profitable after expenses.
The medical loss ratio (MLR) is the percentage of premiums a company spends to pay members’ claims.
If the number is relatively low (down in the 70s), I might wonder why the company isn’t spending more on the benefits its members are paying for.
But if the number is very high (around 90% or higher), the company might not turn a profit after expenses. In that case, I worry that it might cut back on Medigap plans or stop offering them altogether.
Additional benefits
Previously offered — ask an Aetna agent
Medigap plans have standardized Medicare benefits, but companies can offer additional perks.
In previous years, Aetna has advertised that its plans include discounts on certain hearing and vision exams, hearing aids and batteries, eyewear, and other health and wellness products. If you’re working with a licensed insurance agent to get a quote for an Aetna plan, you can ask them about any extras or perks available in your location.
Aetna Medicare Supplement Insurance service area
Aetna offers Medicare Supplement Insurance plans in Washington, D.C., and every state except Massachusetts and Washington. In most states, you’ll need to work with a licensed insurance agent to get a quote or buy an Aetna plan. Online quotes are available in Michigan, New Hampshire, Tennessee and West Virginia.
Aetna covers about 1 million Medicare Supplement Insurance beneficiaries. Its share of the total Medigap market is about 7%.
Compare Medicare Supplement Insurance companies
Get more information below about some of the major Medicare Supplement Insurance companies. These insurers offer Medigap plans in most states, but specifics may vary depending on your location.
About Aetna
Founded in 1853, Aetna became a subsidiary of CVS Health Corp. in 2018. The company’s headquarters are in Hartford, Connecticut.
Aetna’s health insurance offerings include medical, dental and pharmacy plans. Aetna offers individual and group health insurance, including Medicare Advantage plans, Medicare prescription drug plans and Medicare Supplement Insurance.
Read the NerdWallet reviews of these other Aetna Medicare offerings:
Find the right Medicare Supplement Insurance plan
Because Medigap plans are standardized, you can get precisely the same Medicare benefits from any company. So when you shop, keep these considerations in mind to find the best policy to fit your needs:
Is your preferred plan available? Health insurance companies don’t always sell every plan, so check who sells the plan you want to buy in your area.
What are the premiums? Prices for the same plan can vary between companies, so check to find the most competitive rates.
Will your premiums change over time? Most policies cost more as you age, but some companies offer policies that let you lock in a price when you sign up.
Are there extras? Medigap plans’ core benefits are standardized. But in certain cases, some companies include such perks as discount programs or gym memberships.
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
- Competitive prices for Plan N.
- Higher-than-average complaint rates.
- High prices for Plan G, on average.
- No online price quotes or applications in most states.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.Centers for Medicare & Medicaid Services. Find a Medigap Policy That Works For You. Accessed Jul 24, 2026.
- 2.National Association of Insurance Commissioners. Company Complaint Index. Accessed Jul 24, 2026.
- 3.National Association of Insurance Commissioners. 2024 Medicare Supplement Insurance Experience Reports (Direct Premiums Earned; Direct Claims Incurred). Accessed Jul 24, 2026.
- 4.National Association of Insurance Commissioners. 2024 Medicare Supplement Loss Ratios. Accessed Jul 24, 2026.
Medicare Supplement Insurance ratings methodology
NerdWallet’s Medicare Supplement Insurance (Medigap) ratings are based on pricing, discounts, plan types offered, complaint data from the National Association of Insurance Commissioners, consumer experience, additional perks and benefits, and more. To calculate each health insurance company's rating, we adjusted the scores to a curved 5-point scale, rounded to the nearest half star.
NerdWallet reviewed 13 Medicare Supplement Insurance companies based on highest enrollment and greatest online search volume. We review companies covering nearly 87% of all Medigap beneficiaries in the United States. At the state level, our research includes the two largest Medigap insurance companies in 45 out of 50 states, plus Washington, D.C. We cover at least one of the two largest Medigap companies in every state.
These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for Medicare Supplement Insurance.
Insurer complaints methodology
We examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, we calculated a similar index for each insurance company, weighted by market shares of each subsidiary. We score companies based on this index of how many complaints the company receives relative to its market share. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Compare Medigap plans
Insurance company | NerdWallet rating | Plan types offered | NAIC complaint rate | Annual price increases | Learn more |
|---|---|---|---|---|---|
BEST OVERALL | |||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 5.0/5 | A, C, D, F, G and N | Far fewer than expected | Lower than average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
BEST FOR LOW PRICES | |||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.5/5 | A, F, G and N | Far more than expected | Lower than average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
BEST FOR PLAN AVAILABILITY | |||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.3/5 | A, B, C, F, G, K, L and N | Fewer than expected | Higher than average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.3/5 | A, F, G and N | Close to expected | Lower than average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |