Medicare Supplement Insurance

Medicare Supplement Insurance

When it comes to selecting a Medicare Supplement insurance carrier, you have choices.

Whether you are researching Medicare Supplement for the first time, or looking to move to a different carrier, Central States Health & Life Co. of Omaha (CSO) wants to be your choice for a Medicare Supplement insurance policy.

Central States Health
& Life Co. of Omaha

A– (Excellent)*

A.M. Best Financial Strength Rating

May 2018​

* 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 provision, rates or practices of the insurance company. 

A.M. Best’s Financial Strength Rating is an independent opinion of an insurer’s financial strength and ability to meet ongoing obligations to policyholders. For the latest rating, access www.ambest.com

Most Medicare Supplement benefit plans are standardized. What can differ is cost and service. 

You want a strong, caring company with programs suiting your needs.  CSO sets themselves apart from other carriers by extending superior service to their policyholders.

CSO’s Medicare Supplement policies offer:

  • Responsive and accessible customer service representatives.
  • Household discounts on premiums.
  • Timely claims processing; no paperwork with automatic filing.
  • No medical exams or bloodwork.

With over 85 years of experience in the insurance business, CSO differentiates themselves by extending superior service and products.  We strive to be the provider of choice with our motto “To Care is to Grow”. The guiding philosophy behind how our business is done, is caring for our policyholders, business partners, agents and employees.

Medicare and a Medicare Supplement policy work together to provide coverage on your health care expenses.

  • Medicare Part A (Hospital Insurance) helps cover:
  • Inpatient care in hospitals
  • Skilled nursing facility, hospice, and home health care.
  • Medicare Part B (Medical Insurance) helps cover:
  • Services from doctors and other health care providers, hospital outpatient care, durable medical equipment and home health care.
  • Preventive services to help maintain your health and to keep certain illnesses from getting worse.

Medicare provides you with the coverage described above; however, it is not designed to cover all your health care costs. You must pay these gaps in Medicare coverage which are often deductibles, coinsurance and co-payments. Medicare Supplement insurance policy can assist you with paying all or some of these costs, depending on the policy you choose.

Source: Choosing a Medigap Policy: A guide to Health Insurance for People with Medicare.

* Plan F is also offered as a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs (coinsurance, copayments, deductibles) up to the deductible amount of [$2,240 in 2018] before your policy pays anything.

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

These Medicare Supplement insurance products are underwritten by Central States Health & Life Co. of Omaha.

Each insurer has sole responsibility for its own product.  This is a solicitation of insurance.  A licensed insurance agent may contact you.

These insurance policies have exclusions and limitations. Your Medicare Supplement insurance policy will not cover long-term care (like care in a nursing home), vision or dental care, hearing aids, eyeglasses, or private-duty nursing.

Benefits and premium under Medicare Supplement Insurance policies may be suspended for up to 24 months if you become entitled to benefits under Medicaid. You must request that your policy be suspended within 90 days of becoming entitled to Medicaid. If you lose (are no longer entitled to) benefits from Medicaid, the policy can be reinstated if you request reinstatement within 90 days of the loss of such benefits and pay the required premium.

You are under no obligation when you ask for more information. If you respond you may be contacted by a licensed insurance agent in an attempt to sell you insurance.  A licensed agent will provide you complete information including benefits, costs, eligibility requirements, exclusions and limitations. CSO policies do not contain a pre-existing condition exclusion.

Applicable state versions of Medicare Supplement policies: [COMSAA2019ST, COMSCA2019ST, COMSFA2019ST, COMSGA2019ST AND COMSNA2019ST], where ST is state of issue.

[Arizona, Arkansas, Florida and Idaho] residents: Policies COMSAI2019ST, COMSCI2019ST, COMSFI2019ST, COMSGI2019ST AND COMSNI2019ST, where ST is the state of issue.

An Open Enrollment Period is the 6-month period of time beginning on the first day of the month you are 65 or older and enrolled in Medicare Part B. In some states, plans may be available to persons under 65 years of age who are eligible for Medicare by reason of disability or End Stage Renal Disease. All insurance policies may not be available in your state.

This website does not pertain to states where no coverage is available including: [AK, CA, CO, CT, DE, GA, HI, IN, KY, LA, ME, MD, MA, MN, MS, MO, NH, NM, NC, NY, OH, OR, PA, RI, SC, UT, VT, WA, WV, and WI, including DC, Guam and Saipan].

This website is not intended for use outside of the United States.

CSO and their Medicare Supplement Insurance policies are not connected with or endorsed by the U.S. government or the federal Medicare program.

Looking for Assistance?
We’re Here to Help!

Phone Number:
(833) 522-4874

Hours: 
9:00 AM to 5:00 PM (EST)
Monday through Friday

You can obtain a free quote by speaking to an agent.

Phone Number: 
(866) 887-9323

Online:
CLICK HERE

To follow-up on a Medicare Supplement Claim, CLICK HERE

To contact an Agent for help with a CSO Medicare Supplement policy call (866) 887-9323.

Download a FREE copy of Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare by the Centers for Medicare and Medicaid Services and the National Association of Insurance Commissioners.

Explore the features of this hearing care discount program.  For more information contact us:

Phone Number:
(800) 286-6149

Online: 
CLICK HERE