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Aetna Medigap Plan G Reviews: A 2027 Scorecard Built From Filings and Ratings

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated November 10, 2026

Aetna Medigap Plan G reviews well on financial strength, since every Aetna company that issues it held an A (Excellent) AM Best rating as of June 2026, and it offers a 7% household discount in the outlines we checked. The trade-offs to weigh are attained-age pricing in at least some states, which raises premiums as you age, and a one-time $20 application fee.

2027 by the Numbers

A (Excellent)

AM Best rating for Aetna’s Medigap issuers, affirmed June 2026

7%

household discount in Aetna’s Missouri and South Carolina outlines

$3,050

2027 deductible on high-deductible Plan G (CMS)

Search for Aetna reviews and most of what comes back is about Aetna Medicare Advantage plans: networks, star ratings, prior authorization. None of that applies to a Medigap Plan G, which lets you see any provider that accepts Medicare and has no network or referral rules. A useful review of Aetna’s Plan G has to judge different things.

This scorecard grades Aetna’s Plan G on the parts that actually vary between insurers, using Aetna’s own outlines of coverage and AM Best’s June 2026 rating action. For Aetna’s full Medigap lineup, see our guide to Aetna Medicare Supplement plans.

✔ Licensed in all 50 states
✔ Based on CMS 2027 data
✔ Free plan comparison

Key Highlights

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Aetna Plan G pays the same benefits as every other Plan G; only price, service and stability differ.

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Aetna Medigap is issued by CVS Health subsidiaries such as Aetna Health and Life Insurance Company and Aetna Health Insurance Company.

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The 7% household discount requires a spouse or partner you have lived with for the past 12 months.

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Medicare star ratings apply to Aetna’s Medicare Advantage and Part D plans, not to its Medigap policies.

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Our Scorecard for Aetna Plan G

Category What we found Verdict
Benefits Standard Plan G: everything except the Part B deductible, projected at $292 for 2027 Identical to every Plan G
Financial strength A (Excellent), stable outlook, AM Best, June 2026 Strong
Household discount 7% with a spouse or civil union partner, 12 months living together Solid, with conditions
Fees $20 one-time application or policy fee in the outlines reviewed Minor drawback
Pricing method Attained age in the South Carolina outline Expect age-based increases
Plan menu Plan G, high-deductible Plan G and Plan N among the letters offered Good range

Our compilation from Aetna outlines of coverage for Missouri and South Carolina and AM Best’s June 2026 release. Terms vary by state.

No category here is a dealbreaker. The two that most affect what an Aetna Plan G owner pays over time are the pricing method and the insurer’s rate increase record in your state.

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Which CVS Health Company Will Issue Your Policy

Aetna has been part of CVS Health since 2018. Its Medigap policies are written by several subsidiaries, and the state you live in decides which name appears on your policy.

Missouri

Aetna Health and Life Insurance Company

South Carolina

Aetna Health Insurance Company

Other states

May use American Continental, Continental Life of Brentwood or Accendo

AM Best’s June 2026 action affirmed the same A (Excellent) rating and stable outlook for all of these companies, so the issuer name does not change the strength grade. It does matter when you look up complaints or rate filings, which are kept under the legal name.

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Reading Reviews Without Mixing Up Aetna's Products

Applies to Aetna Plan G

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Premium level and rate increases

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Billing and customer service experience

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Claims processing speed, which is largely automatic through Medicare crossover

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Household discount and fees

Does not apply to Plan G

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Medicare star ratings

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Network size and in-network doctors

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Prior authorization complaints

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Dental, vision and OTC extras

Check the product line: A one-star complaint about a denied referral or a narrow network is almost always about Medicare Advantage. Medigap Plan G has no network and no prior authorization for Medicare-covered care.

How Aetna Prices Plan G Over Time

Aetna’s South Carolina outline describes its premiums as attained-age, meaning they are based on your current age and rise as you get older, in addition to any general rate changes. In states that require community or issue-age pricing, Aetna must follow those state rules instead.

1

Ask for the age table An attained-age insurer can show today’s premiums at 65, 70, 75 and 80 for your ZIP code.

2

Ask about recent increases Request the last few years of rate changes on the Plan G form sold in your state.

3

Note the payment mode Aetna’s Missouri outline uses factors for semi-annual, quarterly and monthly bank draft payment, so the billed amount depends on how often you pay.

4

Compare with one or two rivals Benefits match, so the comparison is purely price, trend and service.

The Household Discount in Detail

What Aetna’s outlines require for the 7% discount

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Another Medicare-eligible adult who is your spouse or civil union partner

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Continuous residence together for the past 12 months

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Both apply at the same time, or the other person already holds an Aetna Medicare Supplement policy

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Both policies are issued, and the discount lasts while both stay in force

Some insurers extend household discounts to roommates or other adults in the home. Aetna’s outlines we reviewed limit it to spouses and civil union partners, so unmarried housemates should not assume they qualify. Terms can differ by state.

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Aetna Regular Plan G Versus Its High-Deductible Plan G

Aetna’s South Carolina outline lists a high-deductible Plan G alongside the regular version. For 2027, CMS sets that deductible at $3,050, and the Part B deductible counts toward it.

Feature Aetna Plan G Aetna high-deductible Plan G
What you pay before the plan pays Part B deductible, projected $292 Up to $3,050 in 2027
Benefits after that Standard Plan G Standard Plan G
Premium Higher Lower
Best fit People who want a near-fixed yearly cost Healthy buyers who can absorb a $3,050 year

High-deductible Plan G availability varies by state. Deductible: CMS 2027 announcement.

Our explainer on high-deductible Plan G covers the break-even math, and what Plan G costs in a full year shows the regular plan’s budget.

Who Aetna Plan G Tends to Suit

Good match

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Married couples who both want Medigap and can use the 7% discount

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Buyers who value an A-rated parent company

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People in states where Aetna’s premium is competitive at their age

Look harder at rivals

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Unmarried housemates hoping for a household discount

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Buyers who prioritize flat pricing in states that allow attained-age rating

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Anyone whose quote runs well above other A-rated insurers

To see Aetna against other insurers on the same scorecard, read how to judge the best rated Medigap insurance companies.

Bottom Line

The Bottom Line

Aetna Medigap Plan G earns strong marks for financial strength and a clear 7% household discount for couples, with the usual Plan G benefits. Before buying, get Aetna’s age table for your ZIP code, since attained-age pricing and the local rate record will decide whether it stays a good value.

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Frequently Asked Questions

➤ Is Aetna Plan G any different from another company’s Plan G?

No. Plan G benefits are standardized by federal law. Aetna’s version differs only in price, discounts, fees, pricing method and service.

➤ What AM Best rating does Aetna’s Medigap business have?

AM Best affirmed an A (Excellent) Financial Strength Rating with a stable outlook in June 2026 for Aetna Health and Life Insurance Company, Aetna Health Insurance Company and other Aetna subsidiaries that issue Medigap.

➤ Who owns Aetna Medicare Supplement insurance?

Aetna is a CVS Health company, and its Medigap policies are issued by CVS Health’s Aetna insurance subsidiaries.

➤ Can roommates get Aetna’s household discount?

Not under the Aetna outlines we reviewed. They limit the 7% discount to a spouse or civil union partner who has lived with you for the past 12 months.

➤ Does Aetna charge a fee to apply for Plan G?

The Missouri and South Carolina outlines list a one-time $20 fee that is not included in the premium.

➤ Will my Aetna Plan G premium rise with age?

In states where Aetna uses attained-age pricing, such as South Carolina in the outline we reviewed, yes. Rates can also change for claims and inflation.

➤ Do Medicare star ratings apply to Aetna Plan G?

No. CMS star ratings cover Medicare Advantage and Part D plans. Medigap policies are not part of the star rating program.

➤ Does Aetna Plan G need referrals or a network?

No. Plan G works with any doctor or hospital in the country that accepts Medicare, with no referrals or prior authorization for Medicare-covered care.

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