Continental Life Medicare Supplement: Affordable Protection You Can Count On
Continental Life Medicare Supplement plans offer valuable financial protection by covering the “gaps” left behind by Original Medicare (Part A and Part B). While Original Medicare covers many healthcare services, beneficiaries often face deductibles, coinsurance, and copayments. That’s where Medicare Supplement Insurance, or Medigap, comes in to provide peace of mind and reduce out-of-pocket expenses.
Medigap plans, including those offered by private insurers like Continental Life Medicare Supplement, help beneficiaries significantly lower their healthcare costs. These plans do not include prescription drug coverage (Part D), so they work best when paired with a standalone drug plan for comprehensive coverage.
Understanding Continental Life Insurance Company
Continental Life Insurance Company of Brentwood, Tennessee, has been a trusted name in health and life insurance since its founding in 1983. The company has developed a strong reputation for reliable customer service, straightforward claims processes, and competitively priced products.
In the Medicare supplement space, Continental Life Medicare Supplement plans are often associated with simplicity, flexibility, and broad nationwide acceptance, making them an appealing option for many seniors.
History and Evolution of Continental Life
Originally a family-owned business, Continental Life expanded rapidly due to its customer-first philosophy and competitive product offerings. In 2006, the company was acquired by Aetna, a move that strengthened its operational capabilities and allowed it to offer enhanced products under Aetna’s broader health insurance umbrella.
By 2025, the integration has matured, and Continental Life operates as a fully owned subsidiary of Aetna (a CVS Health company), providing robust and stable Medicare supplement solutions.
The Connection Between Continental Life and Aetna
A key point of clarity: Continental Life and Aetna are not separate competitors; they are connected. Aetna acquired Continental Life in 2006. While some branding still refers to “Continental Life,” policies and customer service are generally managed under the Aetna Medicare supplement structure.
This relationship gives Continental Life access to Aetna’s resources, underwriting power, and healthcare network, while maintaining the boutique feel of a smaller insurer.
Overview of Continental Life Medicare Supplement Plans
Continental Life offers several standardized Medigap plans. While the exact availability may vary by state, the most popular offerings include:
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Plan A – Basic coverage
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Plan G – Extensive coverage, excluding Part B deductible
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Plan N – Cost-sharing plan with lower premiums
These plans are standardized by federal law, which means Plan G from Continental Life offers the same basic benefits as Plan G from any other company. However, customer service, premiums, and extra perks may differ.
Key Benefits of Choosing Continental Life Medicare Supplement
Some of the standout advantages of choosing Continental Life Medicare Supplement include:
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Nationwide Network: No need to worry about restricted networks.
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Guaranteed Renewability: Your plan can’t be canceled due to health conditions.
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Portable Coverage: Move across states without losing your plan.
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24/7 Customer Service: Support when you need it most.
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Stable Premiums: Competitive pricing with predictable increases.
2025 Plan Options and Their Coverage Details
Here’s a closer look at Continental Life’s Medigap options in 2025:
Plan G
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Covers all gaps except Medicare Part B deductible
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Excellent for frequent healthcare users
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Covers excess charges
Plan N
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Lower premiums
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Small copays for doctor visits and emergency room visits
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Does not cover excess charges
Plan A
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Basic option for healthy individuals
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Covers Part A coinsurance, hospital costs, and limited outpatient services
Eligibility Requirements for Enrolling
To qualify for a Continental Life Medicare Supplement policy:
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You must be enrolled in Medicare Part A and Part B
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Typically, you must be 65 or older (some states allow under 65)
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You should apply during your Medigap Open Enrollment Period (the 6 months after turning 65 and enrolling in Part B) to avoid underwriting
How to Enroll in a Continental Life Medicare Supplement Plan
Enrolling is straightforward. You can apply:
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Online via Aetna’s website
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By calling licensed agents
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Through Medicare insurance brokers
Be sure to have your Medicare card and current coverage details ready when applying.
2025 Cost Breakdown of Continental Life Medigap Policies
Costs depend on:
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Age and gender
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Zip code
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Tobacco use
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Selected plan
Estimated Monthly Premiums in 2025:
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Plan G: $110–$180
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Plan N: $90–$150
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Plan A: $80–$130
Rate increases tend to be modest with Continental Life due to strong underwriting and large risk pools.
Comparing Continental Life to Other Medicare Supplement Providers
Comparing Continental Life to Other Medicare Supplement Providers:
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Continental Life: Known for low premiums and strong customer service, but has limited digital tools.
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Mutual of Omaha: Offers strong brand trust but tends to have higher premiums.
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Cigna: Provides great online tools but fewer plan options.
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AARP/UnitedHealthcare: Has extensive resources but can be expensive for older seniors.
Continental Life consistently ranks high in affordability and personalized service.
Tips for Choosing the Right Continental Life Plan
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Evaluate your health needs: Frequent doctor visits = consider Plan G.
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Review your budget: Plan N can save on premiums.
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Consider long-term costs: Cheaper plans may cost more out-of-pocket.
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Check for rate stability: Continental Life’s underwriting is known for predictability.
How to File a Claim with Continental Life
Filing is simple:
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In-network providers bill directly
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For out-of-pocket claims, submit through the Aetna member portal
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Claims are processed within 10–15 business days
Always keep your EOB (Explanation of Benefits) and receipts on hand.
Pros and Cons of Continental Life Medicare Supplement Insurance
Pros
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Backed by Aetna/CVS Health
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Affordable plans
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Easy claims processing
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Friendly support
Cons
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Limited high-tech tools
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Not available in all states
FAQs About Continental Life Medicare Supplement
Is Continental Life a Medicare Supplement?
Yes, Continental Life provides Medicare Supplement Insurance (Medigap), helping cover the costs that Original Medicare doesn’t.
Are Continental and Aetna the same?
Continental Life is a subsidiary of Aetna. They share administration and networks.
Who bought out Continental Life Insurance?
Aetna acquired Continental Life Insurance Company in 2006.
How do I contact Continental Life Insurance Company?
You can reach them by phone at 1-866-459-4272 or visit Aetna’s Medicare site.
Does Continental Life offer Plan F?
Only if you were eligible for Medicare before January 1, 2020, new enrollees cannot purchase Plan F.
Can I switch my Continental Life Medigap plan later?
Yes, but underwriting may apply outside of your open enrollment period.
Final Thoughts
The Continental Life Medicare Supplement plans stand out in 2025 as a powerful option for seniors seeking reliable, cost-effective coverage to fill the gaps left by Original Medicare. Backed by Aetna, their offerings bring together the best of both worlds: personalized attention from a smaller insurer and the backing of one of the nation’s largest healthcare companies.
Whether you’re just turning 65 or reviewing your options during the annual open enrollment period, Continental Life’s Medigap plans are worth serious consideration. Their customer-first philosophy, affordable pricing, and strong financial backing make them a trusted partner in your healthcare journey.
Medicare made easy—start with a free quote at Newmedicare.com or dial 📞 (833) 203-6742.
