Kemper/Reserve National Insurance Review & Complaints: Health & Life insurance (2023)
Kemper/Reserve National Insurance Medicare Supplement coverage is available in 38 states. Its insurance quotes are not available online, and there is little information as to which plans are available, although all companies are required to offer Plan A.
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...
Farmers CSR for 4 Years
UPDATED: Sep 26, 2023
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Sep 26, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
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.
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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.
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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.
Enter your ZIP code now to get free quotes for the coverage you need.
Frequently Asked Questions
What is Kemper/Reserve National Insurance?
Kemper/Reserve National Insurance is an insurance company that offers a range of health and life insurance products. They provide coverage for individuals and families to protect against medical expenses and provide financial security in the event of illness, injury, or death.
What types of health insurance plans does Kemper/Reserve National Insurance offer?
Kemper/Reserve National Insurance offers a variety of health insurance plans, including individual and family plans, Medicare supplemental insurance, short-term health insurance, and dental insurance. These plans aim to provide comprehensive coverage for medical expenses, including hospital stays, doctor visits, prescription medications, and preventive care.
What types of life insurance policies does Kemper/Reserve National Insurance offer?
Kemper/Reserve National Insurance provides several life insurance options, such as term life insurance, whole life insurance, and universal life insurance. These policies are designed to offer financial protection and support for your loved ones in the event of your death, ensuring they have the resources needed to cover expenses, pay off debts, or maintain their quality of life.
How can I file a complaint against Kemper/Reserve National Insurance?
If you have a complaint regarding Kemper/Reserve National Insurance, you should start by contacting their customer service department. Their representatives can assist you in addressing your concerns, resolving any issues, or providing clarification on policy matters. If you are not satisfied with the resolution, you may escalate your complaint to the appropriate regulatory authority in your state or country.
Are there any common complaints against Kemper/Reserve National Insurance?
Complaints against insurance companies can vary, and it’s essential to consider that individual experiences may differ. However, some common complaints against Kemper/Reserve National Insurance, as reported by customers, may include difficulties in claim processing, customer service concerns, premium rate increases, and disputes over coverage or policy terms. It’s important to thoroughly research and evaluate an insurer’s reputation and customer reviews before making a decision.
How can I review Kemper/Reserve National Insurance’s performance and reputation?
To review Kemper/Reserve National Insurance’s performance and reputation, you can explore various sources of information. These may include online review platforms, insurance industry ratings agencies, consumer advocacy websites, and state insurance department websites. By examining a combination of customer reviews, financial strength ratings, and complaint records, you can gain a better understanding of the insurer’s track record and overall reputation.
Can I switch my insurance provider if I am dissatisfied with Kemper/Reserve National Insurance?
Yes, you have the option to switch your insurance provider if you are dissatisfied with Kemper/Reserve National Insurance. Before making a switch, it’s important to carefully review your current policy terms, any applicable cancellation fees or waiting periods, and research alternative insurance providers. Comparing quotes, coverage options, customer reviews, and reputation can help you make an informed decision about switching to a new insurance company.
Are you looking for free insurance quotes?
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...
Farmers CSR for 4 Years
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.