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CSO Contracting & Appointment

MISSION: CSO exists to help people enhance their lives by offering quality products and services, thereby assisting people in minimizing their financial risks.

With two desks, two chairs and 100 people each willing to spend $11 on a hospitalization insurance policy T. L. Kizer founded Central States Health & Accident Association of Omaha. It was 1932, right in the middle of the Great Depression. Central States persevered, developing its product and services portfolio and growing its reserve base throughout the decades.

CSO’s history is rich with milestones, some of which include:

Celebrating its 25th anniversary in 1957, the year in which it changed its corporate charter and emerged with a new name Central States Health & Life Co. of Omaha (CSO).

Forming a subsidiary, Central States Indemnity (CSI) to focus on credit disability and unemployment insurance for bank credit card customers. Ultimately, CSI was purchased by Berkshire Hathaway Inc., strengthening CSO’s ability to compete in the insurance marketplace.

Deciding in the late 1990’s to place emphasis on its core business: debt protection. CSO sold its major medical business in 1999 and with the expanded ability of financial institutions to offer debt cancelation products in 2002 it developed an infrastructure enabling the company to support debt cancellation programs and indemnify lenders with contractual liability policies.

Establishing a significant credit insurance presence in the automobile dealership marketplace through the successful alliance with several national entities within the dealership industry.

Diversifying its product portfolio in 2018 by entering into a business purchase agreement to manage the established Medicare Supplement business of Central States Indemnity (CSI) and by working to file new CSO Medicare Supplement plans.

Developing a new dealership customer retention product allowing dealers to provide credit towards a new vehicle purchase when the protected trade-in vehicle has been damaged due to an accident.

CSO Products and State Availability

These are CSO's current products and state availability for 2022, as well as information on contracting and appointment.

Medicare Supplement

View this information as a web page.

State Availability

Last reivew date: 09/10/2020

AL AZ FL GA IA ID IL IN KS KY LA MI MS MT NC ND NE NJ NV OH OK PA SC SD TN TX UT VA WV WY

Plan Information

CSO offers standardized Medicare Supplement Plans – all with varying amounts of coverage. These plans are designed to fit various clients based on their budgets, needs and lifestyle. Plans vary in cost based on the specific plan and coverage selected.

  • Member has freedom to choose provider.
  • Household premium discount available.
  • Policy is guaranteed renewable.
  • There is no waiting period for pre-existing conditions, and benefits are paid from the moment the member’s policy is in force.

Plans vary by state.

Some information may vary by state. See state-specific information and rates.

Request a Product Kit for CSO Medicare Supplement

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

CSO Documents

Explore our up to date library of tens of thousands of files from dozens of carriers, organized by state. Rate sheets, applications, underwriting guides, brochures, and more.

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Quick Links

Central States Health & Life

Request a Product Kit

Let us email you a product kit for any of our carriers. Kits include Brochures, Commissions, and Rates, all specific to your state.

Request a Product Kit

WellCare Producer Certification Requirements for 2023

  • Details refer to certification for WellCare. AHIP certification must be completed separately.
  • WellCare’s certification for 2023 launches on Tuesday, July 12, 2022.
  • Passing AHIP does not reduce the number of WellCare test modules.
  • Passing score is 85%.
  • 3 attempts.

WellCare Certification Links, Guides, Phone Numbers, Emails

WellCare Producer Certification Requirements for 2023

  • Details refer to certification for WellCare. AHIP certification must be completed separately.
  • WellCare’s certification for 2023 launches on Tuesday, July 12, 2022.
  • Passing AHIP does not reduce the number of WellCare test modules.
  • Passing score is 85%.
  • 3 attempts.

WellCare Certification Links, Guides, Phone Numbers, Emails

Contract With WellCare
Contract With WellCare

UnitedHealthcare Producer Certification Requirements for 2023

  • Details refer to certification for UnitedHealthcare. AHIP certification must be completed separately.
  • UnitedHealthcare certification for 2023 launches on Monday, June 27, 2022.
  • If the required prerequisite modules are failed an agent will receive no earned renewals during the plan year!
  • Take AHIP first! If you pass AHIP prior to taking the certification, you can skip 5 of the modules in UHC’s certification.
  • UHC allows 6 attempts to pass AHIP.
  • UHC allows 6 attempts per the prerequisite modules.
  • UHC allows 6 attempts per plan module.
  • 3 prerequisites: Medicare Basics, Ethics and Compliance, and AARP Course.
  • AHIP eliminates the need for the Medicare Basics course.
  • 3 modules to complete.
  • 1 optional: CSNP/DSNP.
  • Passing score for UCH certs is 85%.
  • 2023 certifications will cover the remainder of 2022.

UnitedHealthcare Certification Links, Guides, Phone Numbers, Emails

UnitedHealthcare Producer Certification Requirements for 2023

  • Details refer to certification for UnitedHealthcare. AHIP certification must be completed separately.
  • If the required prerequisite modules are failed an agent will receive no earned renewals during the plan year!
  • Take AHIP first! If you pass AHIP prior to taking the certification, you can skip 5 of the modules in UHC’s certification.
  • UHC allows 6 attempts to pass AHIP.
  • UHC allows 6 attempts per the prerequisite modules.
  • UHC allows 6 attempts per plan module.
  • 3 prerequisites: Medicare Basics, Ethics and Compliance, and AARP Course.
  • AHIP eliminates the need for the Medicare Basics course.
  • 3 modules to complete.
  • 1 optional: CSNP/DSNP.
  • Passing score for UCH certs is 85%.
  • 2022 certifications will cover the remainder of 2021.

UnitedHealthcare Certification Links, Guides, Phone Numbers, Emails

Contract With United Healthcare
Contract With United Healthcare

SilverScript Producer Certification Requirements for 2023

  • Details refer to certification for SilverScript. AHIP certification must be completed separately.
  • SilverScript certification for 2022 launches on Wednesday, June 29, 2022.
  • New option in 2022: No cost certification for agents who want to sell only Aetna MA/MAPD or SilverScript PDP products, exclusively.
    This new option allows you to bypass the AHIP Medicare training component and complete an alternative Aetna/SilverScript-only training instead, along with several Aetna-specific training courses (available in English and Spanish). 
  • Agents must do 3 things to be ready to sell SilverScript:
    Step #1: Contract with Aetna. This is a requirement to be eligible for commissions on plans with effective dates of 1/1/2023 and later. (Note: If you’re already contracted for Aetna MA/MAPD, you can skip this step, as there’s no additional action you need to take with your contract.)
    Step #2: Complete 2023 certification.
    Step #3: Receive a ready-to-sell notice
  • There are separate certification processes for Aetna MA/MAPD and SilverScript PDP. Completing 2023 Aetna certification does not satisfy the certification requirement for SilverScript.
  • 2023 Certs will NOT cover the remainder of 2022.
  • TAKE AHIP FIRST! If you pass AHIP first you can skip 2 of the 3 SilverScript test modules. 
  • There’s a link on Agent Portal to transmit their AHIP send scores. 
  • In Pinpoint, the direct scores to be sent upon registration for the test, Gorman, agents can use Silver Mail to upload the cert.
  • Passing score is 90%.
  • SilverScript allows 3 attempts.

SilverScript Certification Links, Guides, Phone Numbers, Emails

SilverScript Producer Certification Requirements for 2023

  • Details refer to certification for SilverScript. AHIP certification must be completed separately.
  • SilverScript certification for 2023 launches on Wednesday, June 29, 2022.
  • Agents must do 3 things to be ready to sell SilverScript:
    Step #1: Contract with Aetna. This is a requirement to be eligible for commissions on plans with effective dates of 1/1/2023 and later. (Note: If you’re already contracted for Aetna MA/MAPD, you can skip this step, as there’s no additional action you need to take with your contract.)
    Step #2: Complete 2023 certification.
    Step #3: Receive a ready-to-sell notice
  • There are separate certification processes for Aetna MA/MAPD and SilverScript PDP. Completing 2023 Aetna certification does not satisfy the certification requirement for SilverScript.
  • 2023 Certs will NOT cover the remainder of 2022.
  • TAKE AHIP FIRST! If you pass AHIP first you can skip 2 of the 3 SilverScript test modules. 
  • There’s a link on Agent Portal to transmit their AHIP send scores. 
  • In Pinpoint, the direct scores to be sent upon registration for the test, Gorman, agents can use Silver Mail to upload the cert.
  • Passing score is 90%.
  • SilverScript allows 3 attempts.

SilverScript Certification Links, Guides, Phone Numbers, Emails

Contract With Silverscript/ CVS
Contract With Silverscript/ CVS

Shared Health of MS Producer Certification Requirements for 2023

  • Details refer to certification for Shared Health of MS. AHIP certification must be completed separately.
  • Shared Health of MS has not yet announced their 2023 certification launch date.
  • More information coming soon!

Shared Health of MS Producer Certification Requirements for 2023

  • Details refer to certification for Shared Health of MS. AHIP certification must be completed separately.
  • Shared Health of MS has not yet announced their 2023 certification launch date.
  • More information coming soon!
Contract With Shared Health of Mississippi
Contract With Shared Health of Mississippi

Devoted Health Certification Requirements for 2023

  • Details refer to certification for Devoted Health. AHIP certification must be completed separately.
  • Devoted Health certification for 2023 launches on Tuesday, June 21, 2022.

Devoted Health Certification Links, Guides, Contact Info

Devoted Health Certification Requirements for 2023

  • Details refer to certification for Devoted Health. AHIP certification must be completed separately.
  • Devoted Health certification for 2023 launches on Tuesday, June 21, 2022.

Devoted Health Certification Links, Guides, Contact Info

Humana Producer Certification Requirements for 2023

  • Details refer to certification for Humana. AHIP certification must be completed separately.
  • Humana certification for 2023 launches on Tuesday, June 29, 2022.
  • This year Humana will be accepting both AHIP and NAHU.
  • 2023 Certs will cover the remainder of 2022.
  • At the conclusion of Certification & Recertification this year, all agents will be certified to sell all Humana products!

Certification Links, Guides, Phone Numbers, Emails

Humana Producer Certification Requirements for 2023

  • Details refer to certification for Humana. AHIP certification must be completed separately.
  • Humana certification for 2023 launches on Tuesday, June 29, 2022.
  • This year Humana will be accepting both AHIP and NAHU.
  • 2021 Certs will cover the remainder of 2020.
  • At the conclusion of Certification & Recertification this year, all agents will be certified to sell all Humana products!

Certification Links, Guides, Phone Numbers, Emails

Contract With Humana
Contract With Humana

Cigna Medicare Producer Certification Requirements for 2023

  • Details refer to certification for Cigna Medicare. AHIP certification must be completed separately.
  • Cigna Medicare certification launches Friday, July 1, 2022.
  • AHIP, Gorman or Pinpoint is required prior to certification.
  • No modules alleviated by passing AHIP or Pinpoint.
  • Passing score is 85%. You have 3 attempts.
  • Fail any module 3 times, agent will have to call the HAAL agent assistance line – 866-442-7516.
  • Agencies must log in with the agency NPN to complete attestation.
  • Face-to-face training is not required but is recommended as a supplement – especially for new agents.
  • 2022 Certs will cover the remainder of 2021.

Cigna Medicare Certification Links, Guides, Phone Numbers, Emails

Cigna Medicare Producer Certification Requirements for 2023

  • Details refer to certification for Cigna Medicare. AHIP certification must be completed separately.
  • Cigna Medicare certification launches Friday, July 1, 2022.
  • AHIP, Gorman or Pinpoint is required prior to certification.
  • No modules alleviated by passing AHIP or Pinpoint.
  • Passing score is 85%. You have 3 attempts.
  • Fail any module 3 times, agent will have to call the HAAL agent assistance line – 866-442-7516.
  • Agencies must log in with the agency NPN to complete attestation.
  • Face-to-face training is not required but is recommended as a supplement – especially for new agents.
  • 2022 Certs will cover the remainder of 2021.

Cigna Medicare Certification Links, Guides, Phone Numbers, Emails

Contract With Cigna Healthspring
Contract With Cigna Healthspring

BlueCross BlueShield of TN Producer Certification Requirements for 2023

  • Details refer to certification for BlueCross BlueShield of TN. AHIP certification must be completed separately.
  • BlueCross BlueShield of TN’s 2023 certification launches on Tuesday, June 21, 2022.
  • More information coming soon!

BlueCross BlueShield of TN Producer Certification Requirements for 2023

  • Details refer to certification for BlueCross BlueShield of TN. AHIP certification must be completed separately.
  • BlueCross BlueShield of TN’s 2023 certification launches on Tuesday, June 21, 2022.
  • More information coming soon!
Contract With BCBS-TN
Contract With BCBS-TN

Amerigroup Producer Certification Requirements for 2023

  • Details refer to certification for Amerigroup. AHIP certification must be completed separately.
  • Passing score is 90%.
  • 3 attempts.
  • Certifying for 2023 allows the sale of 2022 products.

Amerigroup Certification Links, Guides, Phone Numbers, Emails

Amerigroup Producer Certification Requirements for 2023

  • Details refer to certification for Amerigroup. AHIP certification must be completed separately.
  • Passing score is 90%.
  • 3 attempts.
  • Certifying for 2023 allows the sale of 2022 products.

Amerigroup Certification Links, Guides, Phone Numbers, Emails

Contract With Amerigroup
Contract With Amerigroup

Aetna Producer Certification Requirements for 2023

  • Details refer to certification for Aetna. AHIP certification must be completed separately.
  • Aetna certification for 2023 launches on Wednesday, June 29, 2022.
  • New option in 2022: No cost certification for agents who want to sell only Aetna MA/MAPD or SilverScript PDP products, exclusively.
    This new option allows you to bypass the AHIP Medicare training component and complete an alternative Aetna/SilverScript-only training instead, along with several Aetna-specific training courses (available in English and Spanish). 
  • Passing AHIP does not reduce the number of Aetna test modules.
  • Passing score is 90% for Aetna courses and 90% for AHIP.
  • 3 attempts are allowed for Aetna courses and 90% for AHIP.
  • 2023 certs will cover the remainder of 2022.

Aetna Certification Links, Guides, Phone Numbers, Emails

Aetna Producer Certification Requirements for 2023

  • Details refer to certification for Aetna. AHIP certification must be completed separately.
  • Aetna certification for 2023 launches on Wednesday, June 29, 2022.
  • Passing AHIP does not reduce the number of Aetna test modules.
  • Passing score is 90% for Aetna courses and 90% for AHIP.
  • 3 attempts are allowed for Aetna courses and 90% for AHIP.
  • 2023 certs will cover the remainder of 2022.

Aetna Certification Links, Guides, Phone Numbers, Emails

Contract With Aetna
Contract With Aetna