Accendo Insurance Company Medicare Supplement Plans

Accendo Insurance Company offers Medicare Supplement (Medigap) and final expense policies across the United States. This company is a subsidiary of Aetna Insurance.

As a newer company in the Medicare market, Accendo combines its unique product benefits with Aetna’s reputation to offer beneficiaries a competitive Medigap product.

Who is Accendo Insurance Company?

Accendo Insurance Company is an affiliate company of Aetna and a new carrier of Medicare Supplement plans. Accendo offers five of twelve standardized Medigap plans nationwide. These options include the top three Medigap plans and a few more basic plans.

Along with the standardized Medicare Supplement benefits, policies through Accendo Insurance Company offer the following:

  • Competitively priced premiums
  • Rate guarantee of 12 months for all plans
  • No waiting period imposed for beneficiaries with pre-existing conditions
  • In-house customer service

What are the Best Accendo Medicare Supplement Plans?

All Medicare Supplement plans help bridge the gap between the coverage Original Medicare (Part A and Part B) provides and the beneficiary’s costs. Thus, these policies help safeguard your finances from out-of-pocket costs.

Because Accendo Insurance Company is a newer distributor of Medigap plans, the top picks from this carrier include Medigap Plan G and Plan N. While Accendo also offers Medicare Supplement Plan F, it is not one of the carrier’s most popular plans due to its high year-over-year rate increases compared to Plan G.

Accendo Medicare Supplement Plan G

Medicare Supplement Plan G is the most popular Medigap plan for new beneficiaries. It provides the most comprehensive coverage of all the available lettered plans for those newly eligible.

Medicare Supplement Plan G covers all out-of-pocket costs Original Medicare leaves behind, except for the Medicare Part B deductible. Accendo Medicare Supplement Plan G offers the same coverage as Medicare Supplement Plan G through any other carrier.

The government standardizes Medicare Supplement plan benefits across all companies. Yet, prices for the same plans differ across carriers and locations.

Accendo Medicare Supplement Plan N

Medicare Supplement Plan N is great for beneficiaries who wish to have comprehensive coverage at a low monthly premium. With Medicare Supplement Plan N, you are responsible for the Medicare Part B deductible, $20 to $50 copayments, and Part B excess charges when they apply in the state where you receive coverage.

Keep in mind, not every state allows excess charges. Plus, they are uncommon in states allowing them because most practitioners accept Medicare assignment. So, excess charges would only be an issue with a doctor who does not accept Medicare assignment in a state that allows excess charges.

Accendo Insurance Company Availability

Accendo Insurance Company offers Medicare Supplement policies to eligible Medicare beneficiaries in 42 states nationwide.

Plans are not available in the following states:

  • Alaska
  • Connecticut
  • Hawaii
  • Massachusetts
  • Maine
  • Minnesota
  • Washington
  • Washington D.C.

If you reside in any of the above, Accendo does not currently offer Medigap coverage. However, that could change in the future as the company expands.

If you do not live in one of the states above, you may be eligible to enroll in an Accendo Medicare Supplement plan. In all states except five where Accendo is available, the company offers a 14% household discount for beneficiaries living in the same home as someone else on an Accendo Medigap plan. Both beneficiaries will receive the discount on their premium each month.

North Dakota does not offer a 14% discount for enrollees. However, they offer a 10% household discount instead.

The following states do not offer any discounts through Accendo Insurance Company:

  • Florida
  • Idaho
  • New Jersey
  • Vermont

Household discounts are subject to change at any time, and eligibility can vary by state.

Accendo Insurance Company Medicare Supplement Plan Reviews

Accendo Insurance Company is a highly-rated carrier, receiving an A-rating for financial strength and issuer credit from A.M. Best. In addition to their rating, their affiliate company, Aetna, has been providing supplemental Medicare insurance for over 50 years and is a member of the CVS Health family. Aetna’s well-established reputation extends to Accendo Medicare Supplement plans.

In addition to their company rating, consumers are also satisfied with the new Medigap carrier. Its enrollees praise Accendo for having exceptional customer service and paying claims efficiently.

FAQs About Accendo Insurance Company

Is Accendo the same as Aetna?
Accendo and Aetna are two different companies. However, the newer Medigap company, Accendo, is an affiliate of the well-established Medicare Supplement carrier Aetna.
Does Accendo offer Medicare Advantage plans?
No, Accendo does not offer Medicare Advantage plans. The only category of supplemental Medicare insurance Accendo sells is Medigap plans.
Does Accendo offer Medicare Part D plans?
No, Accendo does not sell Medicare Part D prescription drug plans. Accendo started as a final expense life insurance company, selling policies in every state, and recently added Medicare Supplement plans to their roster of products.

How to Sign Up for a Medigap Plan With Accendo Insurance Company

If you live in a state where Accendo Medicare Supplement plans are available and would like to learn more, we are here for you. Medicare Supplement plans are not permanent, so if you can find a policy through a reputable carrier at a lower cost, it often makes sense to switch carriers.

Through Accendo, you will especially benefit if someone in your household already has or switches to a policy through Accendo or Aetna. This way, you will both be eligible for their household discount.

Our agents are licensed in all states offering Accendo Medigap policies. To find out if Accendo is your best option, give us a call at the phone number above or fill out our online rate form.

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  1. Product Discounts, Aetna. Accessed May 2022.
  2. Product Availability, Aetna. Accessed May 2022.

Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

18 thoughts on “Accendo Insurance Company Medicare Supplement Plans

  1. hi my name is mark jackson. my account was withdrawn and i dont have an account.i would appreciate it if you address this matter immediately.thanks,


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