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Medicare Supplement Insurance From CSI

Christian Worstell

by Christian Worstell | Published April 26, 2021 | Reviewed by John Krahnert

Central States Indemnity Co. of Omaha (CSI) sells Medicare Supplement Insurance plans in a number of states. Medicare Supplement plans (also called Medigap) help cover some of the deductibles, copays and other costs that Original Medicare (Part A and Part B) doesn’t pay for.

CSI Medigap Plan Availability

Some of the Medigap plans that CSI may provide include the following:

The selection of CSI Medigap plans may differ from one state or county to the next. Medicare Supplement policies underwritten by CSI Life Insurance Company are not available in Idaho or Virginia. 

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Medicare Supplement Benefits

Part A coinsurance and hospital coverage

Part B coinsurance or copayment

Part A hospice care coinsurance or copayment

First 3 pints of blood

Skilled nursing facility coinsurance

Part A deductible

Part B deductible

Part B excess charges

Foreign travel emergency

Medicare Supplement Benefits A B C* D F1* G1 K2 L3 M N4
Part A coinsurance and hospital coverage
Part B coinsurance or copayment 50% 75%
Part A hospice care coinsurance or copayment 50% 75%
First 3 pints of blood 50% 75%
Skilled nursing facility coinsurance 50% 75%
Part A deductible 50% 75% 50%
Part B deductible
Part B excess charges
Foreign travel emergency 80% 80% 80% 80% 80% 80%

* Plan F and Plan C are not available to Medicare beneficiaries who became eligible for Medicare on or after January 1, 2020. If you became eligible for Medicare before 2020, you may still be able to enroll in Plan F or Plan C as long as they are available in your area.

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1 Plans F and G offer high-deductible plans that each have an annual deductible of $2,370 in 2021. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high-deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.

2 Plan K has an out-of-pocket yearly limit of $6,220 in 2021. After you pay the out-of-pocket yearly limit and yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year.

3 Plan L has an out-of-pocket yearly limit of $3,110 in 2021. After you pay the out-of-pocket yearly limit and yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year.

4 Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don’t result in an inpatient admission.

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What Do CSI Medicare Supplement Plans Cover?

Medigap Plan A and Plan B provide coverage for the copayments and coinsurance costs that come with Medicare Part A (hospital insurance) and Part B (medical insurance) coverage. 

Medigap Plan N is a mid-level plan that covers more costs than Medigap Plan A or Plan B. Plan N is not as robust as Plans C, F or G, however. 

Medicare Supplement Plan C, Plan F and Plan G are among the most popular Medigap plans.

Plan F is the most popular Medigap plan. 55% of all Medigap beneficiaries are enrolled in Plan F.1 Plan F is also the only plan to offer coverage in all 9 of the benefit areas that can be covered by the 10 standardized Medicare Supplement Insurance plans.

Medigap Plan F provides 100 percent coverage of the following out-of-pocket Medicare costs:

  • Medicare Part A coinsurance
  • Medicare Part B coinsurance
  • First three pints of blood
  • Part A hospice care coinsurance and copayments
  • Coinsurance for skilled nursing facilities
  • Part A deductible
  • Part B deductible
  • Part B excess charges

Plan F also covers 80% of the costs for approved emergency care received outside of the U.S., which is the maximum allowed by Medicare Supplement Insurance. Original Medicare doesn’t typically cover medical care you receive while traveling abroad.

85% of all insurance companies that sold Medicare Supplement Insurance sold Plan F, so CSI is not your only option for obtaining Plan F coverage.1

How Much Does Plan F Cost?

The average Medigap Plan F premium in 2018 was $169.14 per month.2

Factors such as your age, gender, smoking status, health and location can all affect how much your Medigap plan may cost.

There is also a high-deductible Plan F option, which features all of the same Plan F benefits, but only after you meet your annual deductible for covered services. The average monthly premium for high-deductible Plan F in 2018 was $57.16.2

It should be noted that Plan F and Plan C are only available to people who were eligible for Medicare on or before January 1, 2020. Anyone who became eligible for Medicare on or after that date will not be allowed to enroll in Plan F or Plan C. 

Anyone who was already enrolled in Plan F or Plan C before Jan. 1, 2020, will be allowed to keep their plan going forward. If you were eligible for Medicare before 2020, you may still be able to enroll in Plan F or Plan C if they are available where you live.

Plan G is the most comprehensive Medigap coverage option for anyone who became eligible for Medicare on or after Jan. 1, 2020. 

CSI Life Insurance Company Reviews and Ratings

CSI and CSI Life Insurance Company are part of the Berkshire Hathaway Insurance Group. CSI formed in 1977, with roots that trace back to 1932.

CSI Life Insurance Company has an A+ Superior Rating from A.M. Best Company, Inc. as of October, 2018.3

Headquartered in Omaha, Nebraska, CSI is licensed to sell various types of insurance policies in all 50 states and Washington D.C.

CSI Medigap plans may not be available where you live. A licensed insurance agent can help you find Medicare Supplement Insurance plans that are offered by insurance companies in your area.

Learn more about Medicare Supplement plans in your state.

Shopping for Medicare Supplement Insurance Plans

The availability of Medicare Supplement Insurance plans can vary by location, so not everyone will have the same selection of plans.

Other private insurance companies may offer Medigap plans in your area.

Call to speak with a licensed insurance agent today who can help you compare Medicare Supplement plans that are available where you live. While we don’t offer plans from CSI, we can help you explore your plan options from other carriers in your area. 

Compare Medigap plans in your area.

Find a plan

Or call now to speak with a licensed insurance agent:

1-800-995-4219

 1 AHIP. State of Medigap 2019. (May 2018). Retrieved from www.ahip.org/wp-content/uploads/IB_StateofMedigap2019.pdf.

2 TZ Insurance Solutions LLC internal sales data, 2019. This data is based on the Medicare Supplement Insurance policies TZ Insurance Solutions LLC has sold. It is not a comprehensive national average of all available Medicare Supplement Insurance plan premiums.

3 Retrieved September 2019, from www.csi-omaha.com/our-products. The A.M. Best Company, Inc. rating refers only to the overall financial status of the company and is not a recommendation of the specific policy provisions, rates or practices of the insurance company.

Resource Center

Compare Medigap Plans 2021

See how the 10 Medigap plans differ. Review our chart for a detailed comparison of Medicare Supplement insurance benefits and compare Medigap options where you live. Read more
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