|Plan Type||Est. Premium*|
|Medigap Plan A:||$74.55||(shop rates)|
|Medigap Plan B:||$94.05||(shop rates)|
|Medigap Plan F:||$109.21||(shop rates)|
|Medigap Plan FH:||$42.90||(shop rates)|
|Medigap Plan G:||$95.63||(shop rates)|
|Medigap Plan N:||$75.89||(shop rates)|
*Premiums shown are samples for a 65 year old, non-smoking woman in Illinois. You must request a quote to get an exact premium for your situation.
This page outlines American Continental Insurance Co Medigap Plans sold in Illinois. American Continental is licensed with the Illinois State Board of Insurance to sell Medicare Supplement insurance. A Medicare Supplement protects you from hospital and doctor bills, including deductibles, copayments and coinsurance, that Original Medicare does not pay. The underwriter has been selling supplemental insurance in Illinois for over 7 years. Their plan offerings are outlined below. You can buy from American Continental with confidence. They earned a A rating from A.M. Best Company, nationally recognized for their financial analysis of insurance carriers.
All insurance companies that sell Medicare Plans must offer Plan A. This is the most basic policy covering the portions of Medicare Part A and Part B that the government doesn’t pay.
Illinois seniors with Medicare benefits are eligible to apply for a American Continental Insurance Co Medigap Plan A policy. It's a Attained Age based premium. We recommend comparing this company's Plan A rate with these carriers:
- UnitedHealthcare Medigap Plan A (Illinois)
- Medigap Plan A (Illinois)
- Heartland National Medigap Plan A (Illinois)
Plan B is available in most states. It covers basic benefits plus your Skilled Nursing coinsurance, but nothing else. In some rare cases, the premium for this policy could make it worth taking on the risk of those things not covered. Most people find a better alternative by choosing a Plan D, G, or H at a similar price.
You can get Plan B in Illinois from American Continental Insurance Co . They use the Attained Age cost method to calculate their monthly rates. Before making your final decision, you might want to compare premiums with these carriers:
- Central States Medigap Plan B (Illinois)
- KSKJ Life Medigap Plan B (Illinois)
- Assured Life Association Medigap Plan B (Illinois)
Plan F is the most popular of all supplements. It offers comprehensive coverage for everything Original Medicare doesn’t cover as long as the charge is approved.
There are No Co Pays, No Deductibles and No Out of Pocket Costs with Plan F. That means if your Medicare Part A or Part B pay a penny on any doctor or hospital charges, this policy will cover the gap. Period.
The two gaps that are not covered are At Home Recovery and Preventative Care. These expenses are not covered by Medicare at all.
Plan F is by far the most commonly purchased Medicare supplement in Illinois. American Continental Insurance Co offers a good Medigap Plan F, however, don't forget to compare prices. Make sure you're getting the lowest premium available in Illinois by comparing quotes from these insurance carriers:
- Combined Medigap Plan F (Illinois)
- Heartland National Medigap Plan F (Illinois)
- Mutual of Omaha Medigap Plan F (Illinois)
Plan G has almost as much coverage as a Plan F. The difference is the Part B deductible. After your annual Medicare Part B deductible is met, this plan will cover the coinsurance amount of Medicare-approved medical services, which is generally 20% of the approved amount.
If you stay in the hospital for longer than 60 days, but less than 90 days, Plan G covers your Medicare Part A coinsurance for each benefit period. For each Medicare “hospital reserve day” you use, Plan G pays the full per day Medicare Part A coinsurance amount. “Hospital reserve days” are 60 nonrenewable hospital days that Medicare provides you which can only be used once in a lifetime. After all Medicare hospital benefits are exhausted, Plan G covers 100% of Medicare Part A eligible hospital expenses.
Most experts agree that Plan G is the best alternative to the F Plan. It offers all of the same benefits, except the Part B deductible. American Continental Insurance Co offers a Plan G and we think it's worth comparing with the rates offered by these carriers:
- Mutual of Omaha Medigap Plan G (Illinois)
- Heartland National Medigap Plan G (Illinois)
- Forethought Life Medigap Plan G (Illinois)
Offering benefits similar to Plan D, Plan N features a $20 co-payment for doctor visits and a $50 co-payment for emergency room visits. These co-pays are applied once the annual deductible is met. Most Plan N premiums are approximately 70% of a Plan F and 77% of Plan D premiums.
Plan N gives you all of the basic coverage benefits, plus it pays your Medicare Part A deductible. You pay the Part B deductible and the Part B excess charges. You are also responsible for a $20 co-pay when you visit the doctor and up to $50 for each emergency room visit. If saving money is your goal, this plan will help. Compare premiums with these carriers before you buy:
- Heartland National Medigap Plan N (Illinois)
- Philadelphia American Medigap Plan N (Illinois)
- Central States Medigap Plan N (Illinois)
You are eligible to apply for a American Continental Medicare Supplement if you are:
- A resident of Illinois,
- Enrolled in Medicare Parts A and B, and
- You are age 65 or over.
American Continental offers plans in Chicago, Naperville, Elgin, Aurora, Rockford, Joliet, Springfield, Peoria, Waukegan, Cicero and most other areas of the state.
This page is maintained by 9/22/2015.and was last updated on