Kemper/Reserve National Insurance Review & Complaints: Health & Life insurance (2024)

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Kemper sells Medicare Supplement insurance through one of the companies in their group, Reserve National. They are based out of Oklahoma and operates independently as a subsidiary under the Kemper name.

Kemper/Reserve National Insurance Medicare quotes aren’t available online, but our review will cover all of the available information to help you to make an informed choice.

Before reading more about Kemper/Reserve National Insurance Medicare plans, take a moment to compare some rates. Just enter your ZIP code for free quotes.

What is Kemper/Reserve National Insurance?

Founded in 1956 by a former insurance agent, Reserve National was founded in Oklahoma but eventually expanded to a total of 38 states. In 1998 Reserve National was acquired by Kemper, a large group of coverage and financial services companies operating nationwide.

Reserve National uses the Kemper name and branding, although they operate as an independent company. They offer a long list of supplemental health insurance products as well as a handful of life insurance policies. Among their supplemental insurance plans is Medicare Supplement, and it is to Reserve National that Kemper sends all of their Medicare business.

The supplement plans are sold throughout the country by independent local agents. The company’s headquarters is located in Oklahoma City.

What Types of Products Are Available?

The website offers very little information on their Medicare Supplement products. There is a basic overview of what Medicare Supplement coverage is for, the site notes that they have preferred rates for non-tobacco users.

Most states use a letter-coded standardized system for Medicare Supplement, and insurers must use this system as well. Since all companies are required to carry Plan A and either Plan C or F, we can safely say the company offers the first and one or the other of the second and third. Beyond that, we cannot guess as to which of the total of eleven plans they write.

Plan A is the base plan, and Plan F is the highest-level plan available. Most companies offer both of these as well as a few other plans. If you want to buy this coverage you will have to contact the company directly.

Does the Company Offer Competitive Rates?

Online quoting is not offered by Reserve National, nor is there a rate chart such as that offered by many other companies.

To obtain a rate, there is a request form that can be filled out in order for a representative to contact you, or you can use the agent locater option to get rates from a local agent directly.

Kemper/Reserve National Claims Process

Ease of Filing a Claim

Kemper/Reserve National Insurance provides multiple options for filing insurance claims, ensuring convenience for policyholders. You can file a claim through online channels, over the phone, or via their mobile apps. This flexibility allows you to choose the method that best suits your preferences and needs.

Average Claim Processing Time

To assess the efficiency of Kemper/Reserve National Insurance’s claims processing, it’s essential to consider the average claim processing time. This information can give you insights into how quickly you can expect your claims to be resolved. Timely claim processing is crucial for policyholders seeking financial assistance during challenging times.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is a valuable resource when evaluating an insurance company’s performance. It provides real-world insights into the quality of claim resolutions and payouts. Understanding how satisfied policyholders are with their claim experiences can help you make an informed decision about choosing Kemper/Reserve National Insurance for your insurance needs.

Digital and Technological Features of Kemper/Reserve National

Mobile App Features and Functionality

In today’s digital age, mobile apps play a significant role in enhancing the customer experience. Kemper/Reserve National Insurance offers a mobile app to make managing your insurance policies more convenient. Exploring the app’s features and functionality can help you understand how it simplifies tasks like policy management, claim filing, and communication with the company.

Online Account Management Capabilities

Online account management is a fundamental aspect of modern insurance services. It allows policyholders to access and update their policies, review documents, and track claims online. Evaluating Kemper/Reserve National Insurance’s online account management capabilities will help you determine whether they provide a user-friendly and efficient platform for policyholders.

Digital Tools and Resources

Digital tools and resources can significantly enhance your insurance experience. These may include online calculators, educational resources, and informative articles. Understanding the digital tools and resources offered by Kemper/Reserve National Insurance can help you make the most of their services and make informed decisions regarding your insurance coverage.

Are Ratings and Consumer Reviews Positive?

Reserve National has an A+ rating with the Better Business Bureau (BBB), with a total of 170 complaints on file in the past three years. They have been accredited since 1965.

There are two negative reviews of this company on Yelp. Neither of these complaints is related to Medicare Supplement, however.

We did not find other complaints anywhere directly relating to Medicare Supplement, and very little overall in the way of information on this company.

What’s the Bottom Line on Kemper Health?

Kemper/Reserve National offers very little information on their products, and without rates to compare it is difficult to form an opinion on their Medicare Supplement offerings or service. There are no red flags in terms of their reputation, but again the general lack of information makes it hard to draw conclusions.

There may be affordable Kemper Corporation/Reserve National Medicare Supplement coverage available to you, but it’s always worthwhile to compare this insurance company to other options.

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