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Central States Indemnity Company History & Background
Central States Indemnity was formed in 1977. The parent company of CSI, Central States Health and Life Co. of Omaha, has been around since 1932.
Initially, the company focused on providing casualty and unemployment insurance. In 1992, 15 years after its inception, Warren Buffett’s, Berkshire Hathaway Inc. acquired CSI. CSI is licensed to provide its insurance products all across the US and in Puerto Rico and Guam.
CSI Financial and Ratings
The company has a subsidiary focusing on life insurance, the CSI Life Insurance Company. CSI Life is a subsidiary of Central States Indemnity. Both CSI and CSI life maintain an A.M.s Best rating of A+.
Their strong financial rating is an indication of their superior performance over the years. Plus, they have the capability to back the policies they provide without hassle. Being part of Berkshire Hathaway adds to their financial strength and they leverage the experience and expertise of their team to facilitate customers in the best possible way.
CSI Additional Insurance Products
The motto of the company since the time it started operating has been to provide simple access to insurance solutions. They still adhere to their values and make acquiring insurance easier for their clients, offering health insurance, accident insurance, and property insurance, among a range of other products and services.
They also offer specialty insurance solutions, including disability and life insurance, and have served millions of individuals across the US. A key strength of Central States Indemnity has been their promptness. They respond immediately whenever a customer gets in touch with them regarding a claim, query, or feedback.
Central State Indemnity or CSI Life is one of the leading Medigap providers in the market. The benefits are they don’t require medical exams or blood work, so folks are more likely to get accepted. They also have affordable coverage that meets many budgets. Most of all, an easy claims process that convenient and offers great customer service.
Any U.S. citizen or permanent resident that is 65 or older and receiving Medicare benefits Part B is eligible to purchase a Medicare supplement insurance policy.
Medicare Supplement Plans From CSI
In addition to its core products, Central States Indemnity also offers a range of Medigap solutions. Their Medicare Supplement Plans offer customers various choices, going from Plan A to Plan N, varying in terms of coverage and cost. This means that you have the flexibility to select that best suits your needs and budget.
CSI Medicare Supplement Chart
With a Medicare Supplement plan from CSI you get the following:
- Portable coverage
- Guaranteed renewable for life
- Competitive premium
- 30-day free look period
CSI Medicare Supplement Plan F
A majority of folks opt for the Medicare Supplement Plan F offered by Central States Indemnity. Plan F is a popular option because it covers 100% of all costs that Medicare does not pay in full. However, things have changed, only folks who turned 65 or became eligible for Medicare prior to January 1st, 2020 are eligible for Plan F now.
Plan F is also the most expensive supplement plan but offers one of the most robust coverages that fill in the “gap” from Original Medicare. However, if you don’t qualify, you can still turn to Plan G as a better, more cost-effective solution.
CSI Medicare Supplement Plan G
Plan G is an effective alternative to Plan F. You get all the features and benefits of Plan F, with the sole exception being that you have to pay the Medicare Part B deductible.
Here are some of the highlights of Medigap Plan G:
- Medicare Part A deductible
- Additional 365 days of coverage after standard Medicare benefits
- Hospice care
- Part B excess charges
In addition, one of the positives of Plan G is that the deductible is $203 in 2021. Since you have to pay a lower premium, the cost is covered over the long run.
Read more: Medigap Plan F vs G: What Plan To Choose?
CSI Life Medicare Supplement Plan N
Under Plan N, you receive basic coverage, and the Medicare Part A deductible is covered. However, you will have to bear the Part B deductible cost and any excess charges under Part B.
Furthermore, you will also have a co-pay of up to $20 for each doctor’s visit and a maximum of $50 for emergency room visits (waived if admitted). Plan N can be a great option for folks who don’t see the doctor very often and are looking to save money on premiums.
Here are some additional coverage highlights of Plan N:
- Blood (first 3 pints)
- Foreign travel emergency (limited)
- Coinsurance or copay
- Skilled nursing
Our Expert Recommendation
Overall we recommend CSI/CSI Life for your Medicare supplement insurance company. They are a great carrier, backed by a strong parent company, Berkshire Hathaway. CSI is competitive in most states they are licensed in. Also, they have shown to have a stable rate increase on their Medigap plans.
thumbCall us at (800) 208-4974 to apply for coverage or to get a free quote comparison! One of our licensed insurance agents will be happy to answer any questions and guide you through your Medicare supplement journey.
CSI Medicare Supplement Review
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