About Continental Life
The Continental Life Insurance Company of Brentwood, Tennessee (CLI), is a wholly owned subsidiary of Aetna, Inc., having been part of the Aetna family since 2011. Continental Life is one of the companies under which Aetna sells its Medigap (Medicare Supplement) insurance products nationwide. Continental Life has been offering supplemental products since 1983.
If you are looking for a way to reduce some of the out-of-pocket costs associated with Original Medicare, utilizing Continental Life Medicare Supplement plans could be an effective option.
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What’s New for 2026 from Continental Life Medicare?
Medicare Supplement policies (Medigap) are standardized by the government, meaning the core benefits of your plan (e.g., Plan G) do not change year-to-year. Any changes reflected for the new year are federally mandated shifts in Original Medicare costs, which directly affect your coverage gaps.
Continental Life Medicare Supplement Coverage
If you have Original Medicare, you may still be paying out-of-pocket for many of your expenses. That may include copayments, coinsurance, and deductibles. With a Medicare Supplement (Medigap) insurance plan added to your current policy, you may reduce some of those costs substantially. Continental Medicare Supplement coverage is one of several organizations you can select from for these privately managed policies.
First, let’s explore what you already have in Original Medicare.
Original Medicare
Medicare is a government-sponsored health insurance program that provides coverage for people aged 65 and older, regardless of their income. It covers inpatient hospital stays and outpatient services like physician visits.
Original Medicare consists of two parts: Part A, which covers hospital visits, and Part B, which covers doctors.
Medicare Part A
Medicare Part A is hospital insurance. It covers inpatient care at a variety of different facilities.
In general, services covered under Medicare Part A include:
- Hospital care (inpatient)
- Limited home health services
- Care in a skilled nursing facility (SNF), provided that custodial care not be the only care required
- Hospice care
Medicare Part B
Medicare Part B is medical insurance. It covers various types of outpatient services as well as some types of preventative care.
In general, services covered under Medicare Part B include:
- Visits to a healthcare facility
- Ambulance services
- Part-time or temporary home health care
- Rehabilitation services and physical therapy
- Flu and Hepatitis B shots
- Cardiovascular, cancer, and diabetes screenings
- Limited outpatient prescription drugs
- Durable medical equipment
- Clinical research
- Mental health services (inpatient, outpatient, and partial hospitalization)
- Second opinions before surgery
Now, consider all of the costs that Medicare Advantage Plans can help you to maintain. What you will find is that having a Medigap plan can be critically valuable.
Continental Life Medicare Supplement Plans
Medicare Supplement insurance from Continental Life falls under the Atena branch of products. This senior health care plan helps you to get additional coverage for specific needs, including deductibles, copayments, and some of the other services that may not be paid for through Original Medicare.
Plan A
Plan A supplemental insurance is the most basic plan covering the most important gaps when using Medicare. These are hospital coinsurance and hospital outpatient coinsurance. Your Plan A will pay for your daily hospital copays when you have inpatient stays lasting longer than 60 days. Additionally, Plan A will provide 365 days of healthcare coverage after your Medicare Part A hospital benefits have run out.
Plan B
Medigap Plan B will cover the same items as Plan A plus your Part A hospital deductible. This will help when you have any inpatient stays. Cost-sharing for skilled nursing is not covered with Medigap Plan A. Your Part B deductible or Part B foreign travel emergencies and any Medicare Part B excess charges are also not covered.
- Visits to a healthcare facility (Doctors’ services, outpatient hospital care)
- Ambulance services
- Part-time or temporary home health care
- Rehabilitation services and physical therapy
- Flu and Hepatitis B shots (Preventive vaccines)
- Cardiovascular, cancer, and diabetes screenings (Preventive services)
- Limited outpatient prescription drugs (Often those administered in a doctor’s office or hospital outpatient setting)
- Durable medical equipment (DME)
- Clinical research
- Mental health services (inpatient, outpatient, and partial hospitalization)
- Second opinions before surgery
Key changes expected for 2026 generally relate to costs and private plans, not the core coverage of Original Part B:
Higher Costs: The standard Part B premium and annual deductible are both projected to increase.
Prior Authorization: There may be an expansion of prior authorization requirements for certain services under Original Medicare as part of a pilot program.
Medicare Advantage (Part C) and Part D (Prescription Drug Plans): Private plans (Medicare Advantage and Part D) will have various changes in premiums, out-of-pocket maximums, and supplemental benefits.
Plan F
Plan F is considered one of the more complete Medigap plans on the market, covering almost every gap found in Medicare Part A & Medicare Part B plans. With Plan F, your out-of-pocket expenses are covered for any hospital and outpatient medical services. No deductibles or coinsurance costs need to be met while a patient is in the hospital to have surgery.
Your doctor’s visits, ambulance rides, lab work, chemotherapy, and more are also covered. Foreign travel emergency coverage for Plan F can be up to $50,000.
Plan F provides all the basic benefits of Plan C with these extra benefits:
- 100% of the Part B excess charge
Remember: since 2020, people new to Medicare could no longer purchase the Plans C or F Medigap plans. If you are currently enrolled in one of these plans or have purchased Plan F with a high deductible before then, the plan is still active until it expires.
Plan G
Plan G Medigap is the most popular plan in the nation. It covers the same items found in Plan F except for the Part B deductible. When you go to your first outpatient visit for any calendar year, you have to pay the Part B deductible out of pocket. Then, your plan will work the same as Plan F for the remainder of the year.
Plan N
Plan N, first offered in 2021, is one of the newest Medigap plans offered. With Plan N, you often have lower premiums than Plan G because you will have to pay for additional copays for some of your medical services. You must pay any additional excess charges and your Part B deductible.
Plan N requires a $20 copayment for office visits to your doctor and a $50 copayment for emergency room visits. The copayments do not count toward the annual Part B deductible.
Continental Life Insurance Medicare Supplement: Protection Series
Another feature provided through Continental supplemental insurance is called Protection Series. It is a complete portfolio of ancillary insurance products. It includes:
- Cancer and Heart Attack or Stroke/Plus
- Dental Vision and Hearing/Plus
- Home Care Plus
- Hospital Indemnity/Flex
- Recovery Care
- Final Expenses Whole Life Insurance
Plan Availability of Continental Life Medicare Supplement Insurance
Know that Medigap coverage from Continental Life depends on where you live. Plans vary by state and even location. Use the tools on this site to find the best possible plan for you.
Benefits of Choosing Continental Life Medicare Plans
American Continental Supplemental Insurance provides a wide range of benefits to those in need. If you are looking for cost-effective supplemental insurance and want the benefits of the large network of solutions provided under Aetna, Continental Life Medicare Supplement is an excellent choice.
Enrolling in Continental Life & Open Enrollment Period
You can apply for a Medicare Supplement insurance policy if you are:
- A resident of a state where the policy is offered
- Enrolled in Medicare Parts A and B
- Age 65 or over or, in some states, under age 65 with a disability (plan offerings and eligibility vary by state)
In most cases, once you are enrolled in Medicare, you don’t have to re-enroll or renew your Medicare plan every year.
If you want to change your Medicare policy, you can do that during the annual Medicare open enrollment period. This gives you the chance to change your policy or choose a different coverage option that meets your needs.
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