Aetna

Aetna Medigap (CVS Health) combines national scale with consistently sharp Plan G rates in competitive metros and solid underwriting turnaround for applicants with clean histories.

Fact	Aetna
Medigap plans offered	A, B, G, N, K, L (varies)
AM Best rating	A (Excellent)
Pricing model	Attained age
Household discount	Yes in most filed states
Signature feature	Fast underwriting; strong G pricing in metros

Strengths

Aetna’s underwriting machine handles straightforward 65-year-old IEP applications in days, and its G pricing in dense metros often undercuts the AARP/UHC quote by double digits. N availability is broad where N is sold.

Watch-outs

Rural-county rates can gap upward sharply (ZIP variance file: local pricing), and applicants with pre-existing conditions may see longer underwriting or counter-offers rather than declines — worth a second quote if the first comes back loaded.

FAQ

Does Aetna Medigap include SilverSneakers?

Many Aetna Medigap filings bundle fitness benefits — confirm per state, as it is not standardized by plan letter.

Is Aetna underwriting strict?

For healthy applicants it is fast and predictable; complex histories may see counter-offers.

Related reading: All carriers · Underwriting guide · Local pricing