Aetna Continental Life Medicare Gap Insurance Plan G Benefits Explained

What Is the Aetna Continental Life Plan G?

The Aetna Continental Life Plan G is a Medicare Supplement (Medigap) policy sold by Continental Life Insurance. It's designed to cover out‑of‑pocket costs that Original Medicare (Part A & B) does not pay, such as deductibles, coinsurance, and copayments. The plan is one of the standard Medigap plans approved by the Centers for Medicare & Medicaid Services (CMS), meaning it offers a consistent set of benefits nationwide.

Key Benefits of Plan G

• **Hospital and Skilled Nursing Facility** – Covers all Part A coinsurance and hospital costs, including the first 60 days of skilled nursing care.
• **Outpatient Hospital Services** – Pays 100% of Part B copayments and deductibles.
• **Foreign Travel Emergencies** – Provides coverage for emergency medical care abroad.
• **Medical Services Not Covered by Medicare** – Includes certain services that Original Medicare does not cover, such as dental, vision, and hearing.
• **Prescription Drugs** – Does not cover drugs; you'll need a separate Part D plan.

How Plan G Fills the Medicare Gap

Medicare's "gap" refers to the portion of health costs that Medicare does not cover. Plan G eliminates many of the most common out‑of‑pocket expenses:

Cost Structure and How to Pay

Plan G premiums vary by state, age, and the insurer's underwriting rules. Premiums are usually paid monthly and can be deducted from your Social Security check if you're eligible. Unlike some Medigap plans, Plan G requires a 24‑month "open enrollment" period, after which you can change plans or insurers.

Premium Example

In 2024, a 68‑year‑old in California might pay roughly $140 per month for Plan G. Premiums can be higher or lower depending on local rates and your health profile.

Eligibility and Enrollment

To enroll, you must be:

• Enrolled in Medicare Part A and Part B.
• Living in the state where you wish to purchase the policy.
• Under the 24‑month open enrollment window, which begins on the first day you are 65 or older and enrolled in Part B.

After the open enrollment period, you may still buy a Medigap plan, but you might face higher premiums or limited coverage.

Comparing Plan G to Other Medigap Plans

Plan G is often compared to Plan F (which offers a higher level of coverage but is no longer available for new enrollees). Below is a quick comparison:

When Is Plan G Right for You?

Plan G is ideal for seniors who:

• Want to eliminate most out‑of‑pocket costs associated with Medicare.
• Are comfortable paying a higher premium for broader coverage.
• Plan to stay in the U.S. and don't need extra prescription coverage.

If you need prescription drug coverage, pair Plan G with a Medicare Part D prescription plan.

How to Apply for Aetna Continental Life Plan G

During the underwriting process, Aetna may ask about pre‑existing conditions. If you're in good health, you'll likely receive a standard premium.

Consumer Tips and Frequently Asked Questions

Can I switch from Plan G to another Medigap plan?

You can switch during your open enrollment period or if you experience a qualifying life event, such as moving to a new state or losing employer coverage.

Does Plan G cover dental or vision?

No. Plan G covers only Medicare benefits. For dental or vision, you'll need separate plans.

Will I still need to pay the Medicare Part B deductible?

No. Plan G pays the Part B deductible on your behalf.