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Aetna Medicare Supplement Insurance 2025 Review
Aetna sometimes offers rates among the market’s lowest for certain Medigap plans, but its complaint rates are high.
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Written by Alex Rosenberg
Lead Writer
The bottom line: Aetna Medicare Supplement Insurance plans are widely available and come in a decent variety of plan types, but the monthly premiums are sometimes high, and the company gets a lot more member complaints than average. Aetna also scored low on NerdWallet’s Medigap rubric for 2025. Jump to: Full Review
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Aetna Medicare Supplement Insurance pros and cons
Pros
Spending on member benefits: Aetna spends a greater portion of its income from premiums on benefits for members, compared to the average Medigap company.
Competitive prices, sometimes: Aetna offers some of the lowest rates for certain plans and locations.
Cons
Limited online options: Aetna doesn't offer online price quotes in a number of the states where it sells plans. In states where you can get online pricing, you still need to call to apply.
Member complaints: Aetna’s Medigap plans had complaint rates significantly higher than the industry average.
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Our full review
Why trust NerdWallet
Aetna Medicare Supplement Insurance rating
Aetna Medicare Supplement Insurance earned 3 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account pricing, coverage options, online quote availability, complaint data from the National Association of Insurance Commissioners and more.
Aetna Medicare Supplement Insurance plans
Aetna offers up to five Medicare Supplement Insurance plan types for any Medicare member:
Medigap Plan A — the basic benefits included in every Medigap plan without any extras.
Medigap Plan B — basic benefits plus coverage for the Medicare Part A deductible.
Medigap Plan D — a mid-cost option that covers most Medigap benefits.
Medigap Plan G — the highest-coverage option available to new Medicare members. Available as a high-deductible plan in some locations.
Medigap Plan N — a plan with lower premiums but higher copays.
Medigap Plan C, Medigap Plan F and the high-deductible version of Plan F are also generally available for qualifying beneficiaries who were eligible to enroll in Medicare prior to 2020. Newer Medicare members can’t buy these plans from any company.
💬 From our Nerds: Is Aetna a good option for Medicare Supplement Insurance?
“Aetna isn’t one of the top Medigap companies I’d recommend for 2025. It scored 3 stars out of 5 on NerdWallet’s rubric, falling short especially on pricing and complaint rates. If you’re considering Aetna, it’s probably worth comparing a few other companies’ quotes, too.”
Note: Since Medigap plan options can vary by location, it’s a good idea to do your research, compare multiple quotes and consider working with a licensed insurance agent for more personalized recommendations.
— Alex Rosenberg, lead writer covering Medicare
Cost for Aetna Medicare Supplement Insurance
Premiums for Aetna Medicare Supplement Insurance plans tend toward the higher side — but they’re competitive for certain plans and locations. Aetna’s Medigap Plan G premiums were about 48% higher than the least expensive option in the area, and Plan N premiums were about 34% higher.
How we evaluate Medigap companies’ prices
Plan G
Aetna price | Medicare.gov lowest price | |
|---|---|---|
Los Angeles | $258. | $148. |
Atlanta | $151. | $125. |
Dallas | $162. | $109. |
Plan N
Aetna price | Medicare.gov lowest price | |
|---|---|---|
Los Angeles | $185. | $114. |
Atlanta | $98. | $95. |
Dallas | $111. | $82. |
Policy fee
Aetna charges a one-time policy fee for new enrollees in most states. The fee is typically $20, but it may be a little higher or lower depending on the state. There are a handful of states with no policy fee.
You can find the policy fee for your state under the rate tables in the “Outline of Coverage” documents for each state on Aetna’s website.
Discounts
Aetna offers a household discount to qualifying Medicare Supplement Insurance applicants if a spouse, civil union partner or other adult with whom they have lived for at least 12 months also enrolls in or already has an Aetna Medigap plan. This discount for Aetna plans is typically 7% but varies by state.
Available discounts can vary according to factors such as your location, household status and how you apply for a policy.
Aetna member complaints
66% more complaints than average
Members file complaints about Aetna Medicare Supplement Insurance plans about 66% more often than the average for all Medigap plans, according to 2022 and 2023 data from the National Association of Insurance Commissioners for Aetna and its subsidiaries that sell Medigap policies.
NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Aetna’s spending on care
84.5% for member benefits
Aetna Medigap plans spent about 84.5% of premiums on member benefits, according to the most recent annual data. (The other 15.5% went to overhead expenses like administrative costs, marketing, salaries and commissions.) For comparison, the average for all companies is 80.4%.
Medicare Supplement Insurance companies must report data on the premiums they collect and how much they spend to provide benefits for members. The minimum required by law for individual Medigap policies is 60%.
Additional benefits
Medigap plans have standardized Medicare benefits, but companies can offer additional perks.
Some Aetna plans include discounts on certain hearing and vision exams, hearing aids and batteries, eyewear, and other health and wellness products.
Aetna Medicare Supplement Insurance service area
Aetna offers Medicare Supplement Insurance plans in 44 states and Washington, D.C. (Aetna doesn’t offer Medigap policies in Connecticut, Hawaii, Maine, Massachusetts, New York or Washington state.)
Aetna reports that it covers about 1.4 million Medicare Supplement Insurance beneficiaries. The company’s share of the total Medicare Supplement Insurance market as of the end of 2022 is about 7%.
Aetna Medigap customer service
Here’s how Aetna Medigap members can contact customer service:
Call Aetna’s Medicare Supplement customer service line at 888-624-6290, 7 a.m. to 8 p.m. Central time, seven days a week. (TTY dial 711 and follow the prompts.)
Email Aetna through an email contact form.
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 offering the plan. 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).
Aetna
For certain plans and certain locations, Aetna offers some of the lowest Medicare Supplement Insurance premiums on the market. Premiums aren’t low across the board, though, and customers file complaints at rates significantly above the market average.
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Plan types offered
A, B, C, D, F, G and N.
NAIC complaint rate
Far more than expected
Premium discounts available
Average
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Plan types offered
A, B, C, D, F, G and N.
NAIC complaint rate
Far more than expected
Premium discounts available
Average
IS THIS PROVIDER AVAILABLE IN MY STATE?
PROS & CONS
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 15 Medicare Supplement Insurance companies based on highest enrollment and greatest online search volume. At the national level, our scored reviews include companies covering about two-thirds of all Medigap beneficiaries. At the state level, our research includes at least one of the two largest Medigap insurance companies in 48 of the 50 states, plus Washington, D.C.
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.
