American Continental Medicare Supplements - Which Plans are Offered?

NOTE: Plan offerings can vary from state to state, but these are generally the plans that American Continental currently offers in most states. Contact us for specific plan availability in your state.


American Continental Medicare Supplement Plans: What Do They Cover?

American Continental Insurance Medicare Supplement plans are one of the top Medicare Supplement plans nationwide. They operate in many states, and they are typically a very competitively-priced option from a highly-rated company. As you may already know, ALL Medigap plans are Federally-standardized. Because of that, price is the primary factor that you should look at when comparing Medicare Supplement insurance options. The standardization of plans means that a Plan F with one company is the exact same as a Plan F sold through a different company. In short, it all comes down to price and company reputation, and American Continental has both of those areas covered well.

American Continental Insurance (ACI) Medicare Supplement plans ALL cover what Medicare calls "basic benefits". These basic benefits include the 20% that Medicare doesn't pay at the doctor and hospital. Additionally, nearly all of the plans offered by American Continental also cover the Medicare deductibles (which are: Part A Deductible = $1,184/benefit period for 2013; Part B Deductible = $147/year for 2013). Besides the primary benefits, there are additional benefits that are offered under many of the American Continental plans. Some of these additional benefits that are offered in some cases include: Skilled Nursing Facility coinsurance, hospice coinsurance, Part B excess charges and foreign travel emergencies. To get a full rundown of which plans offer which benefits, take a look at the Medigap coverage chart.

How Do American Continental Medigap Plans Operate?

American Continental plans, because they are Federally-standardized, operate the exact same as other Medicare Supplement plan options. This means that you can go to any doctor or hospital nationwide that takes Medicare. There are no network restrictions, and there are no paper claims for the insured to file. With Medicare Supplement insurance, claims are filed, regardless of plan or company, through the Medicare crossover system, which administers claim payments. This system greatly simplifies things for the insured, as they don't have to be involved in the process whatsoever. Many people often say that Medicare Supplement insurance is the easiest type of insurance to use that they've ever had. Once you have your American Continental card, you simply take it to your doctor upon your first visit there. From that point forward, your claims are automatically handled through the Medicare system, without you having to pay directly or file claims.

There are certain times that are preferable to sign up for a Medicare Supplement plan - these are called "Open Enrollment" and "Guaranteed Issue". Ideally, you should sign up for a Medicare Supplement during one of these periods, if you are in one of these enrollment periods. During these times, you cannot be made to answer health questions or pay more for coverage of pre-existing conditions. There are no pre-requisites based on your health history. Your Medicare supplement open enrollment period starts the first day of the month that you are both over 65 and on Medicare Part B and lasts for 6 months. Most companies allow you to sign up (under open enrollment provisions) up to 6 months prior to your Medicare start date. Regarding "Guaranteed Issue", there are a bevy of these period, but the most common ones are when you are leaving employer-type coverage or moving to a new state and out of your current plan's service area.

Why Should You Choose American Continental for Your Medicare Supplement Insurance?

Aetna, the parent company of American Continental Insurance Medicare Supplement plans, has been in business for 100+ years. It is clearly a financially-stable company that has a great track record for service to policyholders across the country. During the last 10 years, American Continental has emerged as a leader in the Medicare Supplement marketplace because of their competitive rates, good customer service, and financial reliability.

American Continental is headquartered in Brentwood, TN, and they offer plans in many states, with more being added each year. Rates do vary from state to state with Medicare Supplement insurance, so it is important, as always, to do a full rate quote comparison of plans available for your age and zip code. This insures that you will have the most competitively-priced option available, which is always important when dealing with Medigap plans.

How Do You Get More Information or Sign up for an American Continental Plan?

To sign up for an American Continental Insurance Medicare Supplement plan, you have the option of either signing up directly through the company or through an independent agent. Regardless of who it is, we always recommend using an independent agent or agency. The reasons for this recommendation are many, but here are a few of the more important reasons. First and foremost, it doesn't cost you any more, and you get the unbiased service and support from an agent who is working on your behalf. Technically, you are paying for the services of an agent anyway, as it is built into the premium on all plans. If you were to sign up directly through the insurance company, you often don't have a dedicated person to call if you ever have any problems or questions. With an independent agent, their loyalty is to you to ensure that your questions are answered and any problems are taken care of.

To get a rate quote comparison, which will include American Continental and other well-priced options for your age and zip code, simply request the information online using: Medicare Supplement Quotes. We can provide the information you are seeking so you can compare multiple quotes in a centralized place and make an informed decision.