Reserve National Insurance Company Reserve National: A Kemper Life and Health Company. Call Us Toll Free at 800.654.9106
A Message to Our Customers from Kemper’s CEO on COVID-19
In efforts to help slow the spread of COVID-19, most of our workforce is now working remotely. However; we want you to know our Customer Service and Claims teams can be reached Mon-Fri 8:00 am to 4:30 pm at 800-654-9106 or through email at:

Supporting our customers and meeting their needs is our priority. We’re focused on following the guidance of the Centers for Disease Control and Prevention. In the event that you experience longer than expected call wait times, we appreciate your patience and understanding.

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Information about Coronavirus (COVID-19) 

In response to the changing conditions of COVID-19 (Coronavirus) throughout the country, Kemper Health is expanding its benefits coverage for policyholders.

Cost sharing waived: For the limited benefit insurance policies that provide coverage for diagnostic testing and lab work subject to cost sharing, such as coinsurance and deductibles, Kemper Health will waive the cost sharing requirements for Physician-recommended COVID-19 testing, consistent with Center for Disease Control ("CDC") guidelines. Medicare Supplement plan cost-sharing mechanisms for diagnostic testing and lab work will also be waived for COVID-19 testing that your doctor recommends in compliance with CDC guidelines.

No indemnity impact: Kemper Health fixed indemnity policies covering lab work, diagnostic services and testing will continue to offer benefits for these services on a lump-sum basis and in accordance with policy terms and provisions. These indemnity policies do not contain coinsurance or deductible provisions.

All other plans and coverage will pay according to their terms. Kemper Health policies are underwritten by Reserve National Insurance Company and United Insurance Company of America.

Kemper Health encourages all policyholders to refer to the CDC for COVID-19 updates, prevention, and more.

For more information, you can contact our customer service department at 800.654.9106, visit or visit the CDC's Coronavirus page.