
Continental Medicare Supplement insurance plans are designed to help fill the gaps in Original Medicare coverage. Medicare Supplement plans, also known as Medigap plans, can help pay for costs like copays, coinsurance, and deductibles.
There are 10 standardized Medicare Supplement plans available in most states, labeled A through L. Plan F, for example, covers 100% of Medicare Part A and B deductibles, as well as 80% of foreign travel emergency medical expenses.
These plans are standardized, meaning their benefits are the same across different insurance companies, but the price can vary.
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What is Continental Medicare Supplement
American Continental offers a range of Medicare Supplement plans that can help fill the gaps in Original Medicare coverage.
They have a total of 6 plans available, but keep in mind that the specific plans offered may vary by state and insurance carrier.
Medigap Plan A is one of the plans offered by American Continental, which covers some of the essential benefits like Part A hospital coinsurance and hospice care.
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Medigap Plan F is another option, which provides more comprehensive coverage, including Part B excess charges and foreign travel exchange.
High Deductible Medigap Plan F is similar to Plan F, but it has a higher deductible that must be met before the insurance kicks in.
Medigap Plan G offers coverage for Part B excess charges, but it does not cover the Part B deductible.
Medigap Plan N is a more basic plan that covers some of the essential benefits, but it has a copayment for doctor visits and emergency room visits.
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How to Get Continental Medicare Supplement
To become eligible for a Continental Medicare Supplement, you need to be 65 years old or older.
You also have to be enrolled in basic Medicare Part A and B, either currently or pending enrollment.
You can apply for a Continental Medicare Supplement through a licensed agent like Michael Quinn, who is a seasoned Medicare insurance expert with over a decade of experience.
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To be eligible for Medicare supplement insurance with Continental Life Insurance Company, you must be currently enrolled or pending enrollment in Original Medicare Parts A and B.
By working with a trusted advisor like Michael Quinn, you can get unbiased resources and personalized support to help you make informed decisions about your healthcare coverage.
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Continental Medicare Supplement Providers
Continental Medicare Supplement Providers offer a range of plans to choose from, including Medicare Supplement Plans A, B, C, D, F, G, K, L, M, and N.
Continental Life sells several Medigap plans, including the 3 most popular Medicare Supplement Plans: Plan A, Plan B, and Plan C. American Continental, on the other hand, sells 5 Medigap plans: Plan A, Plan B, Plan F, High Deductible Plan F, and Plan G.
The plans offered by Continental Medicare Supplement Providers may vary by state and insurance carrier. It's best to contact one of their licensed Medicare Supplement agents at (888) 411-1329 to check availability and rates in your area.
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Here are some of the most popular Continental Medicare Supplement plans:
- Medicare Supplement Plan A
- Medicare Supplement Plan B
- Medicare Supplement Plan C
- Medicare Supplement Plan F
- Medicare Supplement Plan G
Note that as of January 1, 2020, Plans C, F, and High Deductible F cannot be sold to those newly eligible for Medicare.
What Are Sold?
Continental Life sells a range of Medicare Supplement plans, including the 3 most popular options: Plan A, Plan B, and Plan C.
Continental Life also offers Plan D, Plan F, Plan G, Plan K, Plan L, Plan M, and Plan N.
Medigap plans may vary by state and insurance carrier, so it's essential to check availability and rates in your area.
Here are the 10 Medicare Supplement plans sold by Continental Life:
- Medicare Supplement Plan A
- Medicare Supplement Plan B
- Medicare Supplement Plan C
- Medicare Supplement Plan D
- Medicare Supplement Plan F
- Medicare Supplement Plan G
- Medicare Supplement Plan K
- Medicare Supplement Plan L
- Medicare Supplement Plan M
- Medicare Supplement Plan N
American Continental, on the other hand, sells 5 Medigap plans: Plan A, Plan B, Plan F, High Deductible Plan F, and Plan G.
They also offer Plan N, which is not available through Continental Life.
As of January 1, 2020, Plans C, F, and High Deductible F cannot be sold to those newly eligible for Medicare.
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Offered by F & N
Continental Medicare Supplement Providers offer a range of plans, including Medigap Plans A, B, C, D, F, G, K, L, M, and N.
Medigap Plans may vary by state and insurance carrier, so it's essential to check availability and rates in your area.
Continental Life sells several Medigap plans, including the 3 most popular Medicare Supplement Plans: Medicare Supplement Plan A, Medicare Supplement Plan B, and Medicare Supplement Plan C.
However, as of January 1, 2020, Plans C, F, and High Deductible F cannot be sold to those newly eligible for Medicare.
Here's a breakdown of the 3 most popular Continental Life Medigap plans and their benefits:
With American Continental Medicare supplement plans, you have the freedom to choose any doctor that accepts Medicare.
Aetna
Aetna is a well-established provider of Medicare supplemental plans, offering a range of options to suit different needs and budgets. They partner with American Continental Insurance Company to offer these plans.
Their plans, such as Plan A, Plan B, Plan F, Plan G, and Plan N, offer 100% Medicare Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up. This can provide significant peace of mind for those who value having extra protection.
Plan F is a high-deductible plan that requires a calendar year deductible of $2,110 in 2013, but offers the same benefits as Plan F after the deductible is met. This can be a cost-effective option for those who are willing to pay a higher deductible.
Plan N requires a $20 copay for office visits and a $50 copay for emergency room visits, but does not count these copays toward the annual Part B deductible. This can be a good option for those who prefer a more affordable plan with some out-of-pocket costs.
Aetna's 12-Month Rate Guarantee ensures that rates will not increase for 12 months, providing stability and predictability for policyholders. This can be a valuable benefit for those who are concerned about rate increases.
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Continental Medicare Supplement Options
Medigap plans from American Continental offer standardized coverage, regardless of the provider you choose. You'll get the same benefits, no matter which plan you select.
American Continental offers plans F, G, and N, all of which provide excellent service and rates, a quick claims process, quality insurance products, and portable coverage. This means you can take your coverage with you wherever you go.
With American Continental, you have the freedom to choose any doctor that accepts Medicare, without any network limitations. This means you can see your favorite doctor, without worrying about being stuck in a specific network.
Plan N is a popular option from American Continental, offering coverage for medical expenses, blood, hospice care, and hospitalization. It's also the most affordable plan option, making it a great choice for those who don't need extensive medical care.
Here are some key benefits of Plan N:
- Medical expenses
- Blood
- Hospice care
- Hospitalization
Plan N also comes with some limitations, such as not covering Part B excess charges and requiring copays of up to $20 at a doctor and $50 at the E.R. (waived if admitted). Despite these limitations, it's still a great option for those who want to cover their "gaps" in Original Medicare.
Frequently Asked Questions
Who is eligible for Continental General INS co Medicare Supplement?
Individuals aged 65 and older, as well as Medicare-eligible individuals with disabilities of any age, are eligible for Continental General Insurance Company's Medicare Supplement plans. Eligibility is also dependent on approved policy forms in your state.
What is the best supplemental insurance for Medicare?
For Medicare supplemental insurance, consider Humana for extra benefits, State Farm for straightforward coverage, AARP by UnitedHealthcare for extensive medical care, or Blue Cross Blue Shield for a range of Medigap plans. Each offers unique advantages, so it's essential to research and compare to find the best fit for your needs.
Is Continental Life Insurance the same as Aetna?
No, Continental Life Insurance is not the same as Aetna, but rather a subsidiary company that provides products and services under the Aetna brand. Aetna is a brand name used by one or more of its subsidiary companies, including Continental Life Insurance.
Who bought out Continental Life Insurance?
Aetna acquired Continental Life in 2011. They now offer Medicare supplemental insurance together.
Sources
- https://www.ehealthinsurance.com/medicare/coverage/american-continental/
- https://www.bluewaveinsurance.com/aci-medicare-supplement-plans/
- https://retirement-transitions.com/medicare-supplement-companies/aetna-medicare-supplemental-plans/
- https://www.remedigap.com/companies/continental-life-insurance-company/
- https://www.remedigap.com/companies/american-continental-insurance-company/
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