Central States Indemnity Medicare Supplement Plans

We are proud to offer CSI as one of our carriers. If you are looking for free quotes contact us at (800) 208-4974.  Discover why you should work with us here.

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.

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.

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Call 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.