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CJ Karrer
Writer · Reviewed by Richard ChanUpdated Jun 12, 2026
2 min read
Accendo, a subsidiary of Aetna and CVS Health, offers Medicare Supplement plans that help cover deductibles, copays, and coinsurance associated with Original Medicare.
Medigap plans offered by Accendo provide the same federally standardized medical benefits as identical letter plans offered by any other insurance company.
Accendo's affiliation with CVS Health may provide policyholders with integrated healthcare experiences and potential household discounts on their monthly Medigap premiums.
Accendo Insurance Company operates as a subsidiary of Aetna, which itself is part of the broader CVS Health family. This layered corporate structure means Accendo's Medicare Supplement plans come with the financial backing of two major healthcare and insurance giants. Plans issued through Accendo are backed by Aetna Health and Life Insurance Company, which carries an A (Excellent) rating from A.M. Best — a reassuring signal for anyone depending on the insurer to cover long-term healthcare costs.
That combination of parent and grandparent company support gives Accendo both strong financial depth and a nationwide footprint that most smaller Medigap insurers simply can't match.
Accendo offers a range of federally standardized Medicare Supplement plans, including Plan A, Plan B, Plan F, Plan G, and Plan N. Each plan is designed to fill specific gaps in what Original Medicare (Part A and Part B) covers — things like deductibles, copayments, coinsurance, and, depending on the plan, even foreign travel emergency coverage. Because Medigap benefits are standardized by the federal government, the same letter plan carries the same core benefits regardless of which insurer provides it — so comparing Accendo to other carriers truly comes down to price and service.
Accendo's Medicare Supplement plans are available in a growing number of states. As of 2026, coverage is offered in Arizona, Colorado, Georgia, Iowa, Illinois, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Missouri, Mississippi, North Carolina, Nebraska, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, and Wisconsin. If you're not sure whether Accendo is available in your state, a licensed insurance agent can confirm availability and help you compare options.
A.M. Best rates Accendo's parent company, Aetna Health and Life Insurance Company, at A (Excellent) — a strong indicator of the financial stability backing these plans.
Accendo itself has not yet received independent ratings from S&P, Moody's, or Fitch.
JD Power has not rated Accendo as a standalone entity, though its parent company Aetna has consistently received high scores in the Medicare Advantage plan category — a reasonable proxy for customer satisfaction and claims handling quality.
Accendo offers a household discount for spouses who apply for Accendo Medicare Supplement coverage together — one of the more tangible financial incentives for couples shopping for Medigap.
The exact discount amount varies by state, but eligible couples may save up to 14% on their monthly premiums — a meaningful reduction when multiplied over twelve months of coverage.