Quick verdict
Best for: cost-focused enrollees who want a brand-name Medigap option without paying the AARP brand premium. CVS pharmacy users get marginal convenience from Aetna + SilverScript billing coordination. Strong choice in markets where Continental Life pricing leads the ZIP.
Not for: shoppers who want maximum brand recognition (AARP/UHC wins there) or who specifically prefer mutual ownership structures (Mutual of Omaha wins there).
Strengths
- Competitive pricing — Continental Life subsidiary frequently undercuts AARP/UHC by 5-10%.
- Household discount 5-12% (state-dependent) when two adults enroll.
- CVS Health backing — A.M. Best A rated parent; substantial financial stability.
- SilverScript Part D coordination — same parent company; integrated billing and customer service.
- Broad nationwide availability across the subsidiary brands.
Watchouts
- Medigap is not Aetna's primary Medicare focus — Aetna's MA business is much larger.
- Multi-subsidiary structure can be confusing (Continental Life vs Aetna Health and Life).
- Rate-increase patterns vary across subsidiaries and states.
- Less name recognition in Medigap specifically vs Medicare Advantage.
Sample 2026 monthly premiums (Female 65, no tobacco)
- Plan G: $115–$185
- Plan N: $93–$152
- HD Plan G: $38–$72
- Plan F (existing): $138–$215
Pricing varies by ZIP, age, gender, and tobacco status. Always get a specific quote.