Reserve National Insurance Company Reserve National: A Kemper Life and Health Company. Call Us Toll Free at 800.654.9106
Medical Gap Protection
Are you insured but not covered? Every day more and more Americans are finding gaps in their primary health insurance coverage. Rising health care costs, higher deductibles and out-of-pocket expenses are becoming a concern. Many find they cannot afford these expenses. Others have discovered their primary doctor, specialist, or hospital is out-of-network, resulting in even greater out-of-pocket expenses.Reserve National's Medical Gap Protection Policy is a Fixed Indemnity policy that provides benefits to help cover these gaps in your health insurance coverage.
    Benefit coverages vary based on the package you select.
  • Package choices for ages 0-64 are: Select, Companion, Companion Plus or Premier.
  • Package choices for ages 64-84 are: Choice or Choice Plus.
    BENEFIT OVERVIEW - Ages 0-64BENEFIT OVERVIEW - Ages 64-84 *
  • Hospital Confinement
  • Hospital Confinement
  • Day of Surgery
  • Day of Surgery
  • Prescription Drugs
  • Outpatient Doctor Visits
  • Air Ambulance
  • Prescription Drugs
  • Ground Ambulance
  • Air Ambulance
  • Ground Ambulance
  • Adult Day Care
  • Additional Available ages 0-64Additional Available ages 64-84 *
  • Outpatient Chemotherapy and Radiation     Therapy
  • Outpatient Chemotherapy and Radiation     Therapy
  • Outpatient Imaging and Lab Tests
  • Outpatient Doctor Visits
  • Emergency Rooms
  • Urgent Care Center
Policy Form SFI-1
Kemper Health is the brand name for insurance products issued by subsidiary insurance companies controlled by Kemper Corporation. Each subsidiary of Kemper Corporation 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.

For New Mexico, the producer is Robert Lumpford and his National Producer Number (NPN) is 1266980.


The underwriting company for the worksite voluntary Accident Expense, Accident Indemnity, Cancer, Critical Illness, Dental, 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. Fidelity Security Life Insurance Company is not financially affiliated with Kemper Corporation. All products are subject to the terms, conditions, limitations and exclusions of the specific policy. Product availability may vary by state. The Kemper Health voluntary insurance plans, either alone or in combination with each other, are not "minimum essential coverage" under the federal Affordable Care Act. Neither Reserve National Insurance Company, Fidelity Security Life Insurance Company, 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.
* This is not a Medicare Supplement policy