Reserve National Insurance Company Reserve National: A Kemper Life and Health Company. Call Us Toll Free at 800.654.9106
As of December 1, 2022, Reserve National Insurance Company (formerly known as Kemper Health) is part of the Medical Mutual family of companies and is no longer affiliated with the Kemper Corporation family of companies.
The Kemper and Kemper Health trademarks and similar or derivative trademarks are temporarily being used by Reserve National Insurance Company under license from Kemper Corporation.
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, MedMutual Protect 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, MedMutual Protect 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: MedMutual Protect 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. MedMutual Protect policies are underwritten by Reserve National Insurance Company and United Insurance Company of America.

MedMutual Protect 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 1.800.654.9106 or visit the CDC's Coronavirus page .

MedMutual Protect is the brand name for insurance products issued by subsidiary insurance companies controlled by Medical Mutual of Ohio. Each subsidiary of Medical Mutual of Ohio is solely responsible for the insurance products it underwrites and issues. Insurance benefits under Medicare Supplement Plans are underwritten by United Insurance Company of America or Reserve National Insurance Company. Insurance benefits under other available coverages are provided by Reserve National Insurance Company. Form numbers, availability and policy provisions may vary by state. A company agent may contact you with details about benefits, costs, limitations, exclusions, renewability and waiting periods. Each individual's eligibility is subject to underwriting guidelines. This coverage is designed to supplement, and not take the place of, "minimum essential coverage" under the federal Patient Protection and Affordable Care Act. Not affiliated with or endorsed by the U.S. Government or the Federal Medicare Program.

The underwriting company for the worksite voluntary Accident Expense, Accident Indemnity, Cancer, Critical Illness, Dental, GAP, Short Term Disability and Whole Life Insurance Products is Reserve National Insurance Company, which is responsible for the underwriting risks, financial and contractual obligations and support functions associated with the products it issues. The underwriting company for the worksite voluntary Hospital Indemnity, Signature Gap, Indemnity Outpatient Prescription Drug, Limited Medical, and Vision Insurance Products is Fidelity Security Life Insurance Company®(FSL). FSL is not financially affiliated with Medical Mutual of Ohio. All products are subject to the terms, conditions, limitations and exclusions of the specific policy. Product availability may vary by state. FSL is located in Kansas City, Missouri, and has been rated “A” (Excellent) based on an analysis of financial position and operating performance by A.M. Best Company, an independent analyst of the insurance industry. For the latest rating, access .

Neither Reserve National Insurance Company, FSL, nor their agents, representatives, associates or employees render legal or tax advice. The employer should seek the expert assistance of its own legal or tax adviser.

The MedMutual Protect voluntary insurance products, either alone or in combination with each other, are not “minimum essential coverage” under the federal Affordable Care Act.

IMPORTANT: If an individual is insured under one or more MedMutual Protect voluntary insurance products and is also covered by Medicaid or a state variation of Medicaid, most non-disability benefits are automatically assigned according to state regulations. This means that instead of paying the benefits to the insured individual, we must pay the benefits to Medicaid or the medical provider to reduce the charges billed to Medicaid. Proposed insureds should consider their circumstances before enrolling in MedMutual Protect coverage.

If you are an employer offering one or more of these insurance products to your employees, the product(s) may constitute a part of an employee benefit plan under the Employee Retirement Income Security Act of 1974 (“ERISA”). An employer offering an ERISA employee benefit plan will be responsible for a number of obligations applicable under ERISA, including, without limitation, the obligation to make required disclosures to employees and file reports with the federal government. MedMutual Protect acts solely as the issuer and underwriter of these insurance products and as such, neither MedMutual Protect nor any of its affiliates or agents assume any fiduciary or administrative responsibility or duties with respect to any employee benefit plan under which the products are made available. You should consult with an experienced attorney concerning the requirements for compliance with ERISA.

For New Mexico, the producer is Roger Schuster and his National Producer Number (NPN) is 924689.