MedMutual Protect Senior Solutions

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, we want to make sure you can stay connected with us. We encourage you to call 877.877.0199 to make payments, manage claims and access policy information.

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.

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 877.877.0199 or visit the CDC's Coronavirus page.