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Central States Indemnity Medicare Supplement Plans


Central States Indemnity (CSI) Medicare Supplement (Medigap) plans provide coverage to fill the gaps of Medicare. Original Medicare (Part A and Part B) only covers 80% of your inpatient and outpatient costs.

Although Medicare Supplement plans are standardized, the carrier you choose can make a difference in your coverage experience. Therefore, researching Medigap insurance companies is almost as important as enrolling in the right Medicare Supplement plan.

Central States Indemnity Medicare Supplement Plan Availability

Thirty-eight states offer CSI Medicare Supplement insurance plans. At least one CSI Medigap option is available in every state except:

  • Alaska
  • California
  • Connecticut
  • Delaware
  • Hawaii
  • Massachusetts
  • Maine
  • Missouri
  • New York
  • Rhode Island
  • Vermont
  • Washington

In the states where Central States Indemnity Medicare Supplement plans are available, the carrier offers:

  • Medicare Supplement Plan A
  • Medicare Supplement Plan B
  • Medicare Supplement Plan C*
  • Medicare Supplement Plan F*
  • Medicare Supplement Plan G
  • Medicare Supplement Plan N

*Medicare Supplement Plan C and Plan F are only available to those with Original Medicare before January 1, 2020.

As with most carriers, Medigap Plan F, Plan G, and Plan N are the most popular CSI Medicare Supplement plans.

CSI Medicare Supplement Plan F

Medicare Supplement Plan F contains the most comprehensive benefits of any Medigap plan. This plan covers 100% of your costs after Original Medicare pays its portion.

Suppose you enroll in Medicare Supplement Plan F through Central States Indemnity. In that case, you will experience no out-of-pocket cost during Medicare-approved hospital or doctor’s office visits.

Remember, to enroll in Medicare supplement Plan F, you must have Original Medicare before January 1, 2020.

CSI Medicare Supplement Plan G

Medicare Supplement Plan G is currently the most popular Medicare Supplement plan through Central States Indemnity and other carriers nationwide. This plan allows you to receive coverage at a lower monthly cost than Medigap Plan F.

However, with Medicare Supplement Plan G, you must cover the full Medicare Part B deductible before your Medicare Supplement plan covers your costs. Still, the total premium savings for the year on Medigap Plan G could outweigh the annual Part B deductible.

CSI Medicare Supplement Plan N

Medicare Supplement Plan N is often one of the most affordable options when enrolling through Central States Indemnity. This is especially true if you do not go to the doctor often.

Medicare Supplement Plan N does not cover the Medicare Part B deductible. Additionally, it requires small copays at the doctor and emergency room. Plus, if applicable, this plan does not cover Medicare excess charges.

Medicare Part B excess charges are an additional 15% cost on top of the Medicare-approved amount for a service. Your physician can bill for excess charges if they do not accept Medicare assignment.

However, excess charges do not apply in every state. So, if you receive care in a state that allows excess charges, speak with your doctor ahead of time to avoid unexpected costs.

Central States Indemnity Medigap Rate Increases

It is not uncommon for a Medicare Supplement insurance company to raise your monthly premium annually. The average annual rate increase through Central State Indemnity can vary each year. However, it is typically between 5% and 8%.

Evaluating the annual rate increase history is essential when choosing a Medicare Supplement insurance carrier. You do not want to enroll with a carrier that continuously increases its premiums at a high rate.

Central States Indemnity Medicare Supplement Plan Reviews

Central States Indemnity boasts a rating of  A+ with AM Best and the Better Business Bureau. The company’s financial standpoint and customer satisfaction are extremely high.

Many CSI Medicare Supplement insurance policyholders mention the exceptional customer service, timely claim process, and great value for the benefits when rating the company.

How to Compare CSI Medigap Plans

At MedicareFAQ, we focus on providing high-quality Medicare information and the best coverage solutions for our clients. Additionally, we ensure you understand the best coverage options for your needs and help you through every step of the enrollment process.

Comparing options is the best way to ensure you enroll in the best coverage. To begin your free side-by-side plan comparison today, give us a call at the number above or complete our online rate form!

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Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and MedicareFAQ.com. Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

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