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Central States Of Omaha Company History & Background
With two desks, two chairs, and 100 people each willing to spend $11 on a hospitalization insurance policy T. L. Kizer founded Central States Health & Accident Association of Omaha. The company celebrated its 25th anniversary in 1957, the same year they emerged with a new name “Central States Health & Life Co. Of Omaha (CSO).
CSO Additional Insurance Products
CSO offers a wide range of products such as Medicare Supplement plans, credit insurance policies, and debt cancelation policies.
Central States Health & Life Co. Of Omaha (CSO) is one of the leading Medigap providers in the market. They also have affordable coverage that meets many budget.
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, subject to approval from the carrier.
Medicare Supplement Plans From CSO
In addition to its core products, Central States of Omaha 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.
CSO Medicare Supplement Chart
With a Medicare Supplement plan from CSO you get the following:
- Portable coverage
- Guaranteed renewable for life
- 30-day free look period
CSO Medicare Supplement Plan F
A majority of folks opt for the Medicare Supplement Plan F offered by Central States Health and Life Co. of Omaha Plan F is a popular option because it covers 100% of all costs that Medicare does not pay in full, as long as the services are Medicare-eligible. It’s important to note that 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.
CSO 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 $226 in 2023. 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?
CSO 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 CSO for your Medicare supplement insurance company. CSO is competitive in most states they are licensed in and they offer a wide range of products to choose from.
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.