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Medigap Plans
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Michigan
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Central States

Central States Medigap Plans in Michigan

On this page we help consumers learn more about Medicare Supplements sold by Central States in the state of Michigan. Call call 1-855-728-0510 (TTY 711) for plan assistance.
Central States Medigap Plans in Michigan

This page contains editorial content that is not endorsed or approved by Central States Indemnity Co. of Omaha[2]. This is not a solicitation of insurance.


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Contact the Plan
MedicareWireMedicareWire is a Medicare insurance consulting agency. We founded MedicareWire after seeing and hearing how confusing and frustrating it is to find, understand, and choose a plan. Our services are free to the consumer. Rating:
☆☆☆☆☆
A.M. Best Rating:A+
A.M. Best Outlook:Stable
S&P Rating:AA
Established:2011
NAIC Number:34274
Policy Fee:$25.00

What Medigap Policies Does Central States Sell in Michigan?

Central States Indemnity Co. of Omaha sells 6 Medicare supplements in Michigan. Each lettered plan pays Medicare benefits differently (see comparison chart or check out our review). Here they are at a glance:

Plans Offered by Central States

Plan TypePremium[3]Rating TypeEffective
Medigap Plan A$114.75Attained AgeNovember 01, 2017
Medigap Plan B$134.00Attained AgeNovember 01, 2017
Medigap Plan C$160.33Attained AgeNovember 01, 2017
Medigap Plan F$166.25Attained AgeNovember 01, 2017
Medigap Plan G$131.67Attained AgeNovember 01, 2017
Medigap Plan N$99.00Attained AgeNovember 01, 2017

Attained Age Rated Medigap Plans: With this plan rating type your monthly premium is based on your current age. As you age your premium will increase. As an example, if you enroll in a Medigap policy at age 65 with a premium of $120, it may increase to $138 when you turn 69, and $162 at age 72. Also, Attained Age rated plans may increase with inflation.

If you need a Medicare Supplement but don't know where to start, we have licensed Medicare insurance agents[1] available at 1-855-728-0510 (TTY 711) who can answer your questions and help you get the best plan for your needs. No obligation.

Central States Medigap Plan Benefits Comparison Chart

The following table shows what each Central States Medigap plan covers:

Medigap Plan Benefits

BenefitsABCFGN
Part A DeductibleNoYesYesYesYesYes
Part A CoinsuranceYesYesYesYesYesYes
SNF CoinsuranceNoNoYesYesYesYes
Part B DeductibleNoNoYesYesNoNo
Part B CoinsuranceYesYesYesYesYesYes
Excess ChargesNoNoNoYesYesNo
Foriegn TravelNoNo80%80%80%80%
Out-of-Pocket LimitsNoNoNoNoNoNo

REVIEW: Central States Medicare Supplements in Michigan

Central States scored 3.5 out of 5.0 based on our scoring method. Central States has a good financial rating from A.M. Best, but their Plan F is not in the top 10 best rates and they have less than 10 years experience servicing Medicare SupplementsMedicare Supplements are additional insurance policies that Medicare beneficiaries can purchase to cover the gaps in their Original Medicare (Medicare Part A and Medicare Part B) health insurance coverage.. Plus, they ding you with a $25.00 policy fee. We are confident in their financial strength, but feel there are better options in Michigan. See the top 10 competition.

Here are the pros and cons from our analysis:

Pros

  • Superior financial strength.

Cons

  • Uncompetitive Plan F premium.
  • Less than 10 years in the Medicare Supplements business.
  • Does not offer Medicare SELECTMedicare SELECT is a type of Medigap policy (Medicare supplement plan) that requires its members to get their primary care from a contracted provider. plans.
  • Does not offer the 5 most popular plans.
  • Charges a fee to write the policy.

About This Review

We reviewed Central States's Medicare supplement plan offering in Michigan versus all other insurance carriers in the state. Our review is unbiased. We use a formula that looks at years in business, A.M. Best financial strength rating, plans serviced, plan premiumsA premium is an amount that an insurance policyholder must pay for coverage. Premiums are typically paid on a monthly basis. In the federal Medicare program, there are four different types of premiums.  and fees. We do not take into account rate increase history. Our goal is to present information accurately and without bias, based on our interpretation of factual information about each carrier.

Central States Medigap Plan F vs. Competition

Medigap Plan FMedicare Supplement Plan F is the most comprehensive Medicare supplement plan available. This plan covers all Original Medicare deductibles, coinsurance, and copayments, leaving you with no out-of-pocket costs on all Medicare-approved services. is the best selling plan sold in Michigan. Below you can compare Central States's starting rate on Plan F vs. their top ten competitors.

Compare Plan F Base Rates

CarrierPremium[3]FeeReview[4]
Central States$166.25$25.00
☆☆☆☆☆
Blue Cross Blue Shield$130.73None
☆☆☆☆☆
McLaren Health Plan$131.06None
☆☆☆☆☆
Guarantee Trust Life$133.82$25.00
☆☆☆☆☆
Bankers Fidelity$134.60$25.00
☆☆☆☆☆
S.USA Life Insurance$134.84$25.00
☆☆☆☆☆
Everest$134.88$25.00
☆☆☆☆☆
AARP$135.28None
☆☆☆☆☆
Polish Falcons of America$135.40$25.00
☆☆☆☆☆
IAC$136.30$25.00
☆☆☆☆☆
Assured Life$136.96$25.00
☆☆☆☆☆

Contact Central States Medigap Sales

For more information about this Medicare Supplement carrier, and other plans on this site, call 1-855-728-0510 (TTY 711). You may also start your Medicare Supplement enrollment online. You can contact the plan directly at:

Sales:855-664-5517
Website:https://www.csi-omaha.com/
Address:1212 North 96th Street, Omaha, NE 68114

For assistance 24 hours a day, call 800-633-4227. TTY users should call 877-486-2048 or visit www.medicare.gov. If you qualify for Medicare but have not yet enrolled or verified your enrollment status, you can do so on the Social Security Administration website.

Eligibility

Central States Medicare Supplements are available to all Michigan beneficiaries, ages 65 and older, who are enrolled in Medicare Part BMedicare Part B is medical coverage for people with Original Medicare benefits. It covers doctor visits, preventative care, tests, durable medical equipment, and supplies. Medicare Part B pays 80 percent of most medically necessary healthcare services.. If you are just turning age 65, you have guaranteed issue rightsGuaranteed-issue is a right granted to Medicare beneficiaries and applies to Medicare Supplement insurance (aka, Medigap plans). All states and the federal government enforce this essential right, which protects Medicare beneficiaries from medical underwriting. and cannot be turned down by Central States. Plus, your policy cannot be canceled and it will continue to be renewed as long as you pay the premiums on time and make no material misrepresentations.

Availability

Central States services Medicare supplement insurance in Detroit, Warren, Dearborn, Grand Rapids, Flint, Lansing, Sterling Heights, Ann Arbor, Livonia, Dearborn, Clinton, Westland, Kalamazoo, Southfield, Troy, Pontiac, Taylor, Saginaw, Saint Clair Shores, Waterford, Royal Oak, Wyoming, Dearborn Heights, and most other Michigan cities.

Related Medicare Supplement Insurance Topics

  • Do I really Need Supplemental Insurance with Medicare??
  • Is Medicare Plan G Better Than Plan F?
  • What is the Average Cost of Supplemental Insurance for Seniors?

On this page our goal is to help consumers: Compare Central States Medigap plans in Michigan with the best Medicare supplements available. Read our review. Get a free quote. Did we succeed?

The Medicare Supplement information on this page originates from CMS Data Files, is maintained by David Bynon, and was last updated on March 15, 2022.

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Licensed sales agent (“advisor”) services are provided by HealthCompare Insurance Services, Inc., MedicareWire’s trusted partner. Online enrollment service provided through MedicareEnrollment.com, a HealthCompare affiliate. Read our full sales agent disclosure.

[2] Trademark Notice

MedicareWire uses legal U.S. trademarks to identify and describe Medicare and other insurance products for shoppers. See our full trademark use disclosure.

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The only way to know if you are getting the best deal on your Medicare Supplement insurance is to see all rates from all insurance carriers. That's what we'll send you when you fill out the form below. We won't spam you, call you, or sell your information. That's a promise!

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Get a FREE Medigap Rate Analysis... and Save!


We'll save you money with a FREE Medicare Supplement insurance rate analysis!

The only way to know if you are getting the best deal on your Medicare Supplement insurance is to see all rates from all insurance carriers. That's what we'll send you when you fill out the form below. We won't spam you, call you, or sell your information. That's a promise!

Complete this form and we'll email your free report in 1 business day or less.

  • This field is for validation purposes and should be left unchanged.