There are lots of insurance agencies to choose from when looking for a 2012 Medicare insurance plan, advantage plans for 2012 or Medicare plan F but not too many of them could compare to what American Continental Insurance is offering – it offers range while providing optimum service that might be ideal for certain senior citizens. American Continental Insurance Company (ACI) is headquartered in Brentwood, Tennessee (just outside of Nashville). It was established in 2005 on a firm foundation of experience in the health/life insurance industry as well as senior market – from Continental Life Insurance Company of Brentwood, Tennessee. Just a few months ago in May of 2011, ACI became part of the Aetna insurance firm, becoming a part of one of the main insurance providers in the country.American Continental Insurance can be the right choice for obtaining a Medicare part F or another Medicare insurance plan but it would be most sensible to first speak with a licensed expert as 95% of the time, it is not the best option because there are other insurance providers that are most probably an even better fit for your situation. A few of the most popular benefits are lab – outpatient, therapy services, medical equipment which is durable, Medicare prescription drug coverage and skilled nursing.Medicare Part D has a coverage gap, often referred to as the ‘donut hole’, where drug coverage stops when you reach a limit in your basic cover plan; this limit (as of 2011) stands at $2,700.00, with benefits beginning again in case you spend $6,154.00 or more. The $3,454.00 ‘hole’ is among the most contentious issues in the whole Medicare initiative. Whilst plans are out there that will cover you for all of your prescription medicine expenditures, they are a lot more expensive as well as past the affordability of many Medicare customers. All in all, with all the different Medigap insurance companies out there, American Continental definitely has its place but determine if it’d be the right fit for you within a few minutes of talking to a professional adviser.Original Medicare isn’t going to provide enough coverage for the majority of seniors – Medigap insurance was introduced to be able to take care of the holes in insurance coverage which Medicare had. Its goal was to provide a solution for most American seniors through a number of different plans that will each offer a selective set of benefits as well as amount of coverage. With American Continental Medicare supplements, you can find insurance coverage for vision, dental and prescription drugs depending on which plan you decide to go with.Senior citizens can now customize their Medicare Plan F coverage in order to fit their specific needs, without needing to obtain benefits that they’ll never need, all thanks to American Continental Insurance Company. People with dental or joint problems could be selective and particularly go with a plan which provides those sorts of treatments and benefits for 2012. American Continental plans have got to include the most standard of benefits (parts A as well as B) no matter which policy you decide to go with or how you customize the Medicare plan.