Aetna Medicare Supplement Plan G 2027: Coverage, Pricing and Discounts

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 29, 2026

Aetna Medicare Supplement Plan G covers all of your Medicare-approved costs except the Part B deductible, and it is sold by Aetna, a CVS Health company, in most states. The policy is issued by an Aetna insurance company rated A (Excellent) by AM Best, and many states offer a household discount, often 7%.

2027 by the Numbers

$283

2026 Part B deductible, the only gap in Plan G (CMS)

$292

projected 2027 Part B deductible (Medicare Trustees)

$3,050

2027 High-Deductible Plan G deductible (CMS)

AM Best rating (Excellent) for Aetna’s insurance companies, June 2026

Plan G is the most popular choice for people new to Medicare, and Aetna is one of the biggest names that sells it. If you are looking at an Aetna Plan G quote, the good news is simple: the benefits are set by federal law. Aetna Plan G pays the same bills as Plan G from any other company.

So the real questions are price, discounts and how Aetna raises rates over time. This guide covers Plan G only. For a look at Aetna as a company, including its other plan letters, read our Aetna Medicare Supplement plans 2027 review.

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What Aetna Medicare Supplement Plan G Covers

Aetna Medicare Supplement Plan G 2027 coverage: 100% of hospital and doctor costs, excess charges covered, only the Part B deductible left

Aetna Plan G fills almost every gap in Original Medicare. After you pay the yearly Part B deductible, the plan pays your share of Medicare-approved costs in full. You can see any doctor or hospital in the U.S. that accepts Medicare, with no network and no referrals.

Benefit	Aetna Plan G pays
Part A hospital coinsurance plus 365 extra days	100%
Part A deductible ($1,736 in 2026)	100%
Part B coinsurance or copayment	100%
Part B excess charges	100%
Skilled nursing facility coinsurance	100%
Hospice coinsurance and first 3 pints of blood	100%
Foreign travel emergency care	80% (up to plan limits)
Part B deductible ($283 in 2026)	Not covered

Benefits from Medicare.gov. Plans are standardized differently in Massachusetts, Minnesota and Wisconsin.

Good to know: Plan G does not cover prescription drugs, dental, vision or hearing. Most people pair it with a separate Part D drug plan.

Medicare Supplement Quotes

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Who Underwrites Aetna Plan G

Aetna has been part of CVS Health since 2018. Your Aetna Plan G policy is not issued by “Aetna” in general. It is issued by one of several Aetna insurance companies, and which one depends on your state.

Aetna Health and Life Insurance Company. Issues Aetna Medicare Supplement policies in many states, such as Missouri.

Continental Life Insurance Company of Brentwood, Tennessee. An Aetna company that issues policies in other states.

American Continental Insurance Company. Another Aetna company that underwrites Medicare Supplement plans in some states.

Financial strength. In June 2026, AM Best affirmed an A (Excellent) rating with a stable outlook for all of these companies.

Aetna sells Medicare Supplement plans in most states. Availability changes over time, so the fastest way to check is to run a quote with your ZIP code.

How Aetna Prices Plan G

Aetna does not publish one national price for Plan G. Your rate is based on your own details, and the pricing method can change from state to state.

Pricing factor	How it affects your Aetna Plan G rate
Age	Older buyers usually pay more. Some states use attained-age pricing, which goes up as you age.
Pricing method	Aetna uses attained-age pricing in some states and issue-age pricing in others. Ask which one applies to you.
ZIP code	Rates are set by area, even inside one state.
Sex and tobacco use	Men and tobacco users often pay more where state law allows.
Health and timing	Lower preferred rates may apply if you buy in Open Enrollment or with a guaranteed issue right.

Factors and methods vary by state. Based on Aetna rate filings and brochures.

Broker tip: Ask whether your Aetna Plan G quote is issue-age or attained-age. An issue-age rate does not go up just because you get older, so it can cost less over time even if it starts higher.

Like every company, Aetna can raise Plan G rates each year for the whole group. See our guide to Plan G rate increases for 2027 to learn what to watch for.

Aetna Household Discount and High-Deductible Plan G

Aetna Medicare Supplement Plan G vs High-Deductible Plan G for 2027

Aetna’s best-known savings tool is its household premium discount. In many states it is 7% off the regular rate. Rules vary by state. In Missouri, for example, Aetna’s brochure says the other person must be your spouse or partner, you must have lived together for the past 12 months, and both of you must have an Aetna Medicare Supplement policy.

Household discount. Often 7%, and it lasts as long as both policies stay in force. Amount and rules depend on your state.

High-Deductible Plan G. Aetna offers a high-deductible Plan G option in some states. You pay the first $3,050 in 2027, then it pays like Plan G.

Payment options. Monthly bank draft is usually available. Some states also charge a small one-time application fee.

High-Deductible Plan G has a much lower premium, but you take on more risk. It fits healthy people with savings who want protection from a very bad year. Read more about High-Deductible Plan G for 2027.

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Aetna Plan G vs Aetna Plan N

Aetna also sells Plan N in most areas. Plan N costs less each month, but you pay small copays and Part B excess charges. Here is how the two compare.

Feature	Aetna Plan G	Aetna Plan N
Part B deductible	You pay it	You pay it
Doctor office visits	$0 after deductible	Up to $20 copay
ER visits not leading to admission	$0 after deductible	Up to $50 copay
Part B excess charges	Covered	Not covered
Monthly premium	Higher	Usually lower

Benefits from Medicare.gov. Premiums depend on your age, state and ZIP code.

If you see the doctor often or live where doctors charge excess fees, Plan G is usually the safer pick. If you are healthy and the yearly savings on Plan N are bigger than your expected copays, Plan N can make sense. Our Plan G vs Plan N comparison walks through the math.

How to Buy Aetna Medicare Supplement Plan G

Check your timing. Your six-month Medigap Open Enrollment Period starts the month you are 65 or older and enrolled in Part B. In that window, Aetna cannot turn you down or charge more for health problems.

Get Aetna Plan G quotes for your ZIP code. Ask about the household discount and whether the rate is issue-age or attained-age.

Compare other companies. Plan G benefits are identical everywhere, so line Aetna up against other insurers for the same letter. See our Plan G cost guide for 2027.

Apply with a licensed agent. Using an agent costs you nothing extra and the premium is the same as buying direct.

Add Part D if you need it. Plan G does not include drug coverage, so pick a separate Part D plan.

Watch out: Outside Open Enrollment or a guaranteed issue right, Aetna can ask health questions and may decline your application. Do not cancel your current coverage until your new Aetna policy is approved.

Bottom Line

Aetna Medicare Supplement Plan G gives you the same full coverage as any Plan G, backed by Aetna companies rated A (Excellent) by AM Best. Its biggest draws are a household discount in many states and a high-deductible option in some. Compare Aetna’s Plan G rate in your ZIP code with other top companies before you enroll.

View 2027 plans & rates in your ZIP code

Speak with a licensed insurance agent

1-855-409-6195TTY 711

Mon-Fri: 5am-7pm, Sat-Sun: 7am-4pm CT

Aetna Medicare Supplement Plan G — Frequently Asked Questions

➤ What does Aetna Medicare Supplement Plan G cover?

Aetna Plan G pays your share of Medicare-approved costs, including the Part A deductible, Part B coinsurance and Part B excess charges. The only gap is the Part B deductible, which is $283 in 2026 and projected at $292 for 2027.

➤ Is Aetna Plan G different from other companies’ Plan G?

No. Plan G benefits are set by federal law and are the same at every company. What differs is the price, discounts, rate increases and customer service.

➤ How much does Aetna Plan G cost in 2027?

There is no single price. Your rate depends on your age, ZIP code, sex, tobacco use and the pricing method in your state. Get a quote for your ZIP code to see your exact rate.

➤ Does Aetna offer a household discount on Plan G?

Yes, in many states. It is often 7%, but the amount and who qualifies vary by state. Some states require the other person to be your spouse or partner with an Aetna policy too.

➤ Does Aetna sell High-Deductible Plan G?

Aetna offers a high-deductible Plan G option in some states. For 2027, you pay the first $3,050 of covered costs before the plan starts paying.

➤ Which company underwrites Aetna Plan G?

It depends on your state. Aetna Health and Life Insurance Company, Continental Life Insurance Company of Brentwood, Tennessee, and American Continental Insurance Company all issue Aetna Medicare Supplement plans. All are owned by CVS Health.

➤ What is Aetna’s AM Best rating?

In June 2026, AM Best affirmed an A (Excellent) financial strength rating with a stable outlook for Aetna’s Medicare Supplement companies.

➤ Can I switch to Aetna Plan G later?

Yes, you can apply at any time. Outside your Medigap Open Enrollment Period or a guaranteed issue right, you will usually have to answer health questions and could be declined.

New to Medicare?

If you are new to Medicare, then you can enroll in a 2027 Medicare Supplement plan up to six months prior to your Medicare Part B effective date.

Call one of our licensed insurance agents to see what the best time frame is for you to enroll, based on your current situation. You can contact them at 1-855-409-6195.

Medicare Supplement Quotes

Call a Licensed Agent Now

Compare 2027 Plan G, Plan N and more from several insurance companies in one call.

☎ 1-855-409-6195

No obligation to enroll

Speak with a licensed insurance agent

1-855-409-6195

Compare plans in your area

1-855-409-6195 TTY 711

Aetna Medicare Supplement Plan G 2027: Coverage, Pricing and Discounts

Compare 2027 Aetna Medicare Supplement Plan G Rates

Speak with a licensed insurance agent

1-855-409-6195TTY 711

Mon-Fri: 5am-7pm, Sat-Sun: 7am-4pm CT

What Aetna Medicare Supplement Plan G Covers

Who Underwrites Aetna Plan G

How Aetna Prices Plan G

Aetna Household Discount and High-Deductible Plan G

Compare plans & benefits in your area

Or speak with a licensed insurance agent

1-855-409-6195TTY 711

Mon-Fri: 5am-7pm, Sat-Sun: 7am-4pm CT

Aetna Plan G vs Aetna Plan N

How to Buy Aetna Medicare Supplement Plan G

Bottom Line

View 2027 plans & rates in your ZIP code

Speak with a licensed insurance agent

1-855-409-6195TTY 711

Mon-Fri: 5am-7pm, Sat-Sun: 7am-4pm CT

Aetna Medicare Supplement Plan G — Frequently Asked Questions

New to Medicare?

Compare plans & benefits in your area

Or speak with a licensed insurance agent

1-855-409-6195TTY 711

Mon-Fri: 5am-7pm, Sat-Sun: 7am-4pm CT