Aflac Medicare Supplement: At a Glance
| Plans offered | Plans A, F, G, and N in most states; availability and eligibility vary (Plan F is generally limited to those Medicare-eligible before Jan. 1, 2020) |
| Policy underwriter | Tier One Insurance Company, an Aflac subsidiary |
| Administration | Aetna Life Insurance Company |
| Financial strength | A+ AM Best rating for Tier One Insurance Company |
| BBB rating | A+ business rating; this is not the same as a customer satisfaction or customer-review score |
| Household discount | Available in some markets for eligible households; rules and savings vary by state |
| Dental/vision | Sold as separate Aflac policies, not bundled into the Medigap plan |
| Market position | A newer entrant to the Medigap market than some long-established carriers |
Our Verdict
Aflac is worth including on a Medigap shortlist, particularly when its premium is competitive in your area.
The company has a long history in supplemental insurance, but its Medicare Supplement business has a shorter track record than some established Medigap carriers.
Because Medigap benefits are standardized by plan letter, Aflac's Plan G doesn't provide richer medical benefits than another company's Plan G.
The differences that matter are premium, rate increases over time, available discounts, underwriting requirements, and service.
One detail worth knowing is that Aflac Medicare Supplement coverage is underwritten by Tier One Insurance Company, an Aflac subsidiary, and administered by Aetna Life Insurance Company.
What Medicare Supplement Plans Does Aflac Offer?
Aflac sells a handful of the standardized Medigap plan letters. Since benefits for a given letter are the same no matter which company sells it, the table below is just a quick reference.
For the full breakdown of what each plan covers, see our Plan G guide and Plan N guide.
A full plan-by-plan comparison, including Medicare's standardized benefit chart, is available on our Medigap plan comparison page.
A Real Aflac Medigap Rate Comparison
On August 10, 2026, we compared monthly Medigap rates for a 65-year-old male nonsmoker in ZIP code 75034 in Texas.
No household discount was applied.
In this example, Aflac's Plan G rate was about 13% below Mutual of Omaha's and about 17% below Aetna's, while Cigna had the lowest Plan G rate of the four.
Rates retrieved August 10, 2026 through our quoting platform. Rates shown are monthly premiums before any household discount.
These rates are one snapshot, not national averages. Your premium can differ based on your location, age, sex, tobacco status, available discounts, and other rating factors.
Pros
- Offers popular standardized options including Plan G and Plan N
- Household discounts available in eligible markets
- Part of the established Aflac family of insurance companies
- Aetna Life Insurance Company administers the Medigap coverage
Cons
- Shorter Medigap-specific track record and less long-term rate history than some established competitors
- Availability varies by state
- Dental and vision coverage require separate policies
Discounts and Extra Benefits
Aflac offers a 10% household premium discount in eligible markets. Eligibility requirements and discount amounts can vary, so check the quote for your state.
Aflac also sells separate dental, vision, and other supplemental policies that can be purchased alongside a Medigap plan. These are distinct products with their own premiums, not built-in Medigap benefits.
Any wellness, fitness, or hearing-discount programs mentioned by an agent should be confirmed against your specific state and policy documents before you rely on them, since availability isn't uniform nationwide.
Financial Strength and Reputation
Aflac is a large, established insurance organization, but its Medicare Supplement policies are underwritten by Tier One Insurance Company, an Aflac subsidiary.
When evaluating financial strength, consider Tier One's A+ rating with AM Best specifically rather than assuming another Aflac company's rating applies to your policy.
Aflac currently has an A+ business rating from the Better Business Bureau. BBB ratings consider factors that include complaint history and how businesses respond to complaints, but the letter grade should not be interpreted as a customer satisfaction score.
BBB profiles can apply to different Aflac entities or locations, so make sure you're looking at the relevant business profile when reviewing complaints or accreditation status.
Switching to Aflac: The Free-Look Period
If you're switching from one Medigap policy to another, you have a 30-day "free look" period after the new policy starts to decide whether you want to keep it.
Medicare advises holding on to your current policy until you decide to keep the new one, rather than canceling it immediately. You may end up paying both premiums briefly, but that protects your coverage if you decide the new policy isn't the right fit.
See Medicare.gov's guidance on changing Medigap policies for the full rules.
Once you're sure you want to keep the Aflac policy, you can cancel your old one. Get any cancellation confirmed in writing for your records.
Outside a Medigap Open Enrollment Period or a guaranteed-issue situation, you may also have to pass medical underwriting before Aflac, or another carrier, will issue the replacement policy.
Medicare doesn't generally guarantee that an insurer has to sell you a policy outside those protected windows.
Questions to Ask Before Choosing Aflac
- What's my actual Aflac quote for my age, ZIP code, and tobacco status, and how does it compare to 2-3 other carriers?
- Am I eligible for the household discount, and how much does it save?
- What's Aflac's rate-increase history in my state, if available?
- What's the current AM Best financial strength rating for Tier One Insurance Company?
- Do I need to answer health questions, or do I qualify for guaranteed issue?
- How is this policy priced in my state — attained-age, issue-age, or community-rated?
Does Aflac Medicare Supplement Require Medical Underwriting?
It depends on when and why you're applying. During your six-month Medigap Open Enrollment Period, an insurer generally can't deny you coverage because of pre-existing health problems.
You may also have guaranteed-issue rights in certain situations. Outside those protected periods, medical underwriting may apply depending on state law and the carrier's rules.
Who Should Consider Aflac
Aflac tends to make the most sense when its quote is competitive in your area, you qualify for an available household discount, and you're comfortable choosing a carrier with a shorter Medigap-specific track record than some established competitors.
If your priority is to obtain the lowest premium from the carriers you qualify for, or to select a company with a longer Medigap-specific rate history, it is advisable to compare Aflac's quote directly with several well-established carriers before making a decision.
Our roundup of Medicare Supplement companies we'd compare first is a good starting point.
Bottom Line
Aflac is worth considering for Medicare Supplement coverage, especially when its premium is competitive with other carriers in your area.
Its Medigap policies are underwritten by Tier One Insurance Company, an Aflac subsidiary, and administered by Aetna Life Insurance Company.
Because Medigap benefits are standardized by plan letter, don't choose Aflac simply because you recognize the brand. Compare its premium, available household discount, underwriting requirements, and rate history with other companies offering the same plan in your ZIP code.
For most shoppers considering Aflac Plan G or Plan N, the best approach is simple: compare the same plan from several carriers and choose based on long-term value, not just today's lowest premium.
