american continental life medicare review

Founded in 2005, American Continental Insurance has been a subsidiary of Aetna since 2011. Their home office is located in Brentwood, Tennessee. American Continental is a subsidiary of Aetna. Aetna’s brands are among some of the most trusted names in the Medicare market.

American Continental Insurance Medicare plans

American Continental offers Medicare Supplement plans, and that’s their primary focus. The states they offer plans in will occasionally change, as Aetna will occasionally rotate its brands in different states.

In this article, we’ll discuss American Continental’s Medicare Supplement options, followed by some information about Medicare Advantage plans. Then, we’ll provide information about Part D coverage and American Continental’s financial strength ratings. Finally, we’ll address some frequent questions and how to get help enrolling in an American Continental Medicare plan.

american continental life medicare options

American Continental Insurance Medicare Supplement plans

American Continental is a top choice when it comes to Medicare Supplement plans. They put a lot of effort into meeting their clients’ needs.

Medicare Supplement plans will assist with the costs left over by Original Medicare. They are secondary gap coverage. This is why they are sometimes called Medigap plans.

One of the best features is that since Medicare is primary, there is no need to worry about networks or referrals. Your coverage travels with you nationwide.

Plan F, Plan G, and Plan N are the most popular Medigap plan options. They provide the most comprehensive coverage to piggyback on Original Medicare.

The federal government regulates Medigap plans, and the benefits are standardized. The coverage remains the same no matter which insurance carrier you select or where you reside. Wisconsin, Massachusetts, and Minnesota are the only states that don’t follow the standardization rules.

American Continental Insurance Medicare Advantage plans

American Continental doesn’t offer Medicare Advantage plans. Their parent company Aetna does provide Medicare Part C options. These plans help by taking over your Original Medicare and combining your Medicare benefits in a simple-to-use all-in-one plan.

In many cases, these plans will also give you additional coverages and services that traditional Medicare doesn’t. This makes them very attractive to Medicare beneficiaries.

American Continental Insurance Medicare Part D

Aetna offers their Part D prescription coverage through their SilverScript branded company. SilverScript is a premier provider of Part D coverage. Part D is the prescription pharmacy coverage through Medicare.

American Continental Insurance Medicare pros and cons


  • Part of the Aetna/CVS family
  • Affordable Medicare Supplement plan premiums
  • Available in most states
  • Rate increases are conservative
  • Approval at the time of application


  • Tight underwriting
  • Lower household discounts

American Continental Insurance financial strength ratings

Standard & Poors and AM Best are companies that review and rate Medicare Insurance companies’ financial strength. How strong the company can affect rate increases as well as premiums.

  • AM Best provides American Continental Life with an “A” rating.
  • Standard & Poors awards them a rating of “AA-.”
A.M. Best Rating A
Standard & Poor’s Rating AA-
Moody’s Rating n/a

American Continental Insurance reviews

American Continental and all Aetna brands have very competitive rates for their Medicare Supplement plans. They place a significant effort on providing excellent customer service. With great financial backing, they keep their rates affordable and rate increases lower than many competitors.


Is American Continental Insurance the same as Aetna?

American Continental is a subsidiary of Aetna. Aetna is the parent company. They are essentially the same company.

Who owns an American Continental insurance company?

CVS is the owner of Aetna and all of its subsequent companies.

Plan G is the most popular plan for new Medicare beneficiaries. It provides almost the same coverage as Plan F, but at a more affordable premium.

How to enroll in an American Continental Insurance Medicare plan

Medicare Beneficiaries love American Continental. They give great service and coverage for your medical needs. Let us help you determine which plan option is the best for you.

Our licensed brokers will guide you through each step to ensure you have a simple and pleasant experience. Fill out our online request form or give us a call.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for She's been contributing to many well-known publications since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.