Accendo Insurance Company
About Accendo Insurance Company
Accendo Insurance Company is a specialty senior insurance carrier offering Medicare Supplement (Medigap) and final expense life insurance products exclusively for senior Americans. Founded in 2007 and domiciled in the state of Utah, Accendo is a subsidiary of Aetna Inc. and part of the broader CVS Health family of companies — one of the largest diversified health services organizations in the United States. The company was thrust into the spotlight in 2020 when it launched new Medicare Supplement plans nationally, quickly gaining recognition among senior market insurance professionals for offering one of the highest household discounts available — up to 14% when both spouses enrolled with Accendo simultaneously. Accendo distributes its products exclusively through licensed independent insurance agents rather than direct-to-consumer channels, making it a popular carrier option within the Medicare Supplement and senior life insurance market. All policyholder services and claims are handled through the Aetna Senior Products division, which operates its senior insurance headquarters in Franklin, Tennessee.
Quick Information
Industry
Health & Life Insurance — Senior Medicare Supplement & Final Expense
Founded
2007, Salt Lake City, Utah
Number of Employees
Operated as part of Aetna/CVS Health; staffed through parent company operations
Corporate Office Hours
Monday to Friday, 7:00 AM – 7:00 PM Central Time. Closed on weekends and major U.S. federal holidays.
AetSSILIFE-Claims@aetna.com — for claims correspondence
Aetna-CustService@life-insurers.com — for general policyholder service
Website
www.aetnaseniorproducts.com
Contact Page
www.aetnaseniorproducts.com/ssi/company.html
Parent Company Website
www.aetna.com
Products & Services
Accendo Insurance Company focuses exclusively on insurance products designed for the senior market, distributed through a nationwide network of licensed independent agents. Their core products and services include:
- Medicare Supplement Plan A — covers Medicare Part A coinsurance and hospital costs, hospice care coinsurance, and Part B coinsurance or copayment
- Medicare Supplement Plan B — covers everything in Plan A plus the Medicare Part A hospital deductible
- Medicare Supplement Plan F — the most comprehensive Medicare Supplement plan, covering all standardized benefits including Part B excess charges and the Part B deductible (available only to Medicare-eligible individuals before January 1, 2020)
- Medicare Supplement Plan G — covers all standardized benefits except the Medicare Part B deductible, considered the most popular plan for new Medicare enrollees
- Medicare Supplement Plan N — covers most Medicare costs with small copays for some doctor and emergency room visits, offered at a lower premium than Plan G
- Final Expense Life Insurance — simplified issue whole life insurance designed to cover funeral costs, medical bills, and end-of-life expenses for seniors
- Accendo Level Plan — a final expense life insurance product with streamlined health underwriting using health questions and a prescription drug check
- Household Discount Program — up to 14% discount when both spouses or household members enroll together, one of the highest household discounts in the Medicare Supplement market
- Aetna Super Preferred Rate — policyholders who already hold an Aetna Medicare Supplement plan may qualify for additional discounts on Accendo life insurance products
Corporate Phone Numbers
Policyholder Services Number
1-800-264-4000 — main policyholder services line for all coverage inquiries, claims assistance, billing questions, and policy changes. Available Monday through Friday, 7:00 AM to 7:00 PM CT.
Agent Support Line
1-866-272-6630 — dedicated phone line for licensed independent insurance agents handling policy applications, new business, and agent-level inquiries.
Corporate Phone Number
801-961-6256 — direct contact number for Accendo Insurance Company’s Utah-registered corporate operations.
Claims Fax Number
1-855-829-4026 — for submitting claims documentation, explanations of benefits, and supporting paperwork by fax.
How to Reach a Real Person at Accendo Insurance
The fastest way to speak with a live Accendo Insurance representative is to call the policyholder services line at 1-800-264-4000. This line is available Monday through Friday, 7:00 AM to 7:00 PM CT. When the automated system answers, listen to the menu options and press the number that best matches your inquiry — most calls are connected to a live agent quickly during off-peak hours. For the shortest wait times, call early on weekday mornings before 9:00 AM CT.
Because Accendo Insurance operates as part of the Aetna Senior Products division, you can also access policyholder support by visiting www.aetnaseniorproducts.com and using the online contact options. Licensed insurance agents assisting their clients with Accendo policies should use the dedicated agent support line at 1-866-272-6630, which connects directly to the Aetna Senior Products agent services team.
Accendo Insurance Headquarters & Corporate Office Address
Accendo Insurance Company is domiciled in Utah and maintains its registered headquarters address in West Valley City, Utah, where its state charter and insurance license records are maintained. All operational functions including policyholder services, claims processing, and agent support are handled through the Aetna Senior Products operations center in Franklin, Tennessee, which serves as the functional headquarters for Accendo’s day-to-day insurance operations.
Accendo Insurance Company — Registered Corporate Headquarters
3148 West 3500 South
West Valley City, Utah 84119
United States
Aetna Senior Products — Operational Headquarters
1021 Reams Fleming Boulevard
Franklin, Tennessee 37064
United States
Mailing Address (Policyholder Correspondence)
Accendo Insurance Company
P.O. Box 936852
Atlanta, Georgia 31193-6852
Mailing Address (Renewal Premiums)
Accendo Insurance Company
P.O. Box 742179
Atlanta, Georgia 30374-2179
Mailing Address (Final Expense Claims)
Accendo Insurance Company
P.O. Box 323
Brownwood, Texas 76804
Mailing Address (Final Expense Correspondence)
Accendo Insurance Company
P.O. Box 680579
Franklin, TN 37068-9923
How to File a Complaint Against Accendo Insurance
Step 1 — Contact Policyholder Services Directly
Start by calling Accendo’s policyholder services line at 1-800-264-4000. Clearly explain your complaint, provide your policy number, and describe the issue in detail including any claim denials, billing errors, or coverage disputes. Ask the representative to formally log your complaint and provide a reference case number for follow-up. Most billing disputes and coverage questions can be resolved at this initial stage.
Step 2 — Submit a Formal Written Complaint
If the phone call did not resolve your issue, submit a formal written complaint by mailing a letter to Accendo Insurance Company, P.O. Box 936852, Atlanta, Georgia 31193-6852. Your letter should include your full name, policy number, a detailed description of the issue, dates of all previous contacts made, copies of supporting documentation, and the resolution you are requesting. For claims-related complaints, include your claim number and any explanation of benefits letters received.
Step 3 — File an Appeal Through Aetna’s Grievance Process
As an Aetna subsidiary, Accendo policyholders have the right to formally appeal coverage decisions and claim denials through Aetna’s grievance and appeals process. Visit www.aetna.com/individuals-families/member-rights-resources/complaints-grievances-appeals.html to submit a formal appeal online, or print and mail a complaint form. For Medicare-related appeals, Aetna is legally required to acknowledge receipt within specific CMS-mandated timeframes.
Step 4 — File a Complaint With Your State Department of Insurance
Every U.S. state has a Department of Insurance that regulates insurance companies operating within that state. Filing a formal complaint with your state’s DOI is one of the most effective ways to resolve disputes with any insurance carrier. Your DOI will contact Accendo on your behalf and require a formal response. Visit the National Association of Insurance Commissioners (NAIC) website at www.naic.org to find your state’s Department of Insurance complaint filing page.
Step 5 — Contact the NAIC Consumer Services
The National Association of Insurance Commissioners (NAIC) offers a free consumer complaint tool at content.naic.org. While the NAIC does not resolve individual disputes directly, it provides access to your state regulator’s complaint filing system and publishes company complaint ratio data that helps identify patterns of consumer issues.
Step 6 — File a Complaint With CMS (For Medicare Plans)
If your complaint involves a Medicare Supplement plan and has not been resolved through the steps above, file a formal complaint with the Centers for Medicare & Medicaid Services (CMS) at www.medicare.gov or by calling 1-800-MEDICARE (1-800-633-4227). CMS has oversight authority over Medicare-related insurance products and can investigate unresolved Medicare coverage disputes.
