Compare Insurance Quotes
CSI was created in 1932 as Central States Life & Health Co. of Omaha. In 1977, the company created CSI as a casualty insurance provider, focused on involuntary unemployment insurance. The company was acquired in 1992 by Fortune 500 company Berkshire Hathaway, a major corporation that owns insurance companies including GEICO and has holdings in many other industries as well.
Founded in Omaha, Nebraska, CSI has spread over the decades to offer coverage in all states through one of its two branches. Their main products today are life insurance, Medicare Supplement insurance, and other supplemental insurance policies, with a general focus on the needs of seniors.
CSI products are sold through a network of independent agents. The website lists only Medicare Supplement, but states that they sell other products and then directs visitors to a claims page for information on those products, a system we found to be highly unusual and confusing.
Medicare Supplement Plans
CSI doesn’t offer a list of what Medicare Supplement Plans are available. Since they offer coverage in every state, their plans will follow the standardized options outlined by each state. Most states use a lettered system, with the exception of Massachusetts, Minnesota, and Wisconsin.
Since all providers are required to provide Plan A in the states where that system is used, we can safely assume this plan is available. It is a basic plan that overs Parts A and B coinsurance as well as three pints of blood annually. Beyond that, we can’t offer a guess as to what other plans might be available, although most companies offer a selection of between three and six of the eleven total options.
To obtain information on available plans, consumers can call the company or contact an agent. The online quoting system may offer a listing of plan choices, but as we will discuss next, we were unable to utilize that system.
Although CSI does have an online quoting system, but our attempts to obtain a quote for our sample state of California were met with a message that online quoting is not available.
The website directs visitors to call a toll-free line or contact an agent in order to obtain a quote. For a large nationwide company, a quoting system that doesn’t work in a large state like California is disappointing.
Ratings and Reviews
CSI currently has an A+ rating with the Better Business Bureau, and there are no complaints on file for the past three years.
There are a few scattered reviews in various locations for CSI. Google reviews has two reviews, one very negative and one very positive. The negative review cites a denied claim, while the positive review is from a customer who didn’t use their claim services.
Pissed Consumer also has two reviews, one negative and one positive, both for the same “Extra Cash” policy offered by CSI, a policy designed to provide extra income when unemployed.
Yelp has two negative reviews, both seeming to be very odd and difficult to comprehend situations. One reviewer claims CSI forced her son into purchasing a policy by claiming to be calling from US Bank.
None of the reviews we found appear to be about Medicare Supplement coverage directly, and overall the number of complaints is minimal. The positive reviews always carry some weight, given that fewer people write positive reviews in general.
The Bottom Line
The lack of information regarding products and rates for this company, and the difficulty obtaining that information, makes them difficult to recommend. Although there is nothing in terms of red flags on this company, there is also nothing to determine what they have to offer that puts them ahead of other, similar companies.
For a list of companies that we recommend, visit our Best Insurance Companies page.