Kemper/Reserve National Medicare Review

Reserve National is a subsidiary of Kemper Corporation, and is the branch of the company that sells Medicare Supplement Insurance. The Oklahoma-based company is part of a major national family of companies under Kemper.

About Reserve National

Oklahoma insurance agent John S. Gammill founded Reserve National in 1956 after eight years of selling insurance for other companies. The company grew to provide insurance in 32 states, and in 1998 became a subsidiary of Kemper Corporation, which owns a large number of insurance companies across the country.

Reserve National operates independently, although the company website is branded with the Kemper name and logo. The company focuses on life, accident, and other supplemental insurance, and is the company to which Kemper refers customers for Medicare Supplement coverage.

The headquarters for Reserve National is located in Oklahoma City, and independent agents sell products throughout the coverage area. Products today include a full range of supplemental health and life insurance, including some less common specialty plans such as Specified Disease insurance.

Medicare Supplement Plans

Information on Reserve National’s Medicare plans on the website is extremely limited. The only information provided is a brief overview of what Medicare Supplement is and what it is used for.

There is no listing of the available plans for any of the covered states, including Oklahoma where the company is based. This makes it very difficult to get any idea of what plan options might be offered, although Oklahoma and most of the other covered states use the lettered plans. Insurance companies can choose which of the plans to offer aside from the base Plan A, so Reserve could offer any of the remaining 10 plan choices.

The website does not direct visitors to any instructions for obtaining further plan information, although there is an agent locator found elsewhere on the site, as well as form for obtaining a quote.

Medicare Rates

As noted, Reserve National requests visitors to fill out a form to request information and quotes for their Medicare plans. Without rate information, we are not able to compare Reserve National to any of its competitors in the market, either in Oklahoma or on a national level.

The information request form system is common for smaller companies, but it may deter some people who prefer not to be added to an insurance solicitation list.

Ratings and Reviews

Reserve National has been Better Business Bureau accredited since 1965, and currently holds an A+ rating. There have been a total of nine complaints filed in the past three years. Only two of those were closed in the past 12 months. The parent company, Kemper, has an A+ rating.

Complaints List has two ratings of Reserve National, and one long review regarding a dispute over a life insurance beneficiary.

We were not able to find any reviews that related directly to Medicare Supplement insurance, and in general very little information on the company.

The Bottom Line

Due to a general lack of information, it is difficult to draw any conclusions regarding this company. They appear to have a good reputation, and likely draw customers through agents or existing Kemper Insurance policyholders. Without the information required to compare rates and policy options, however, we are not able to make a recommendation for this company.

For a list of companies that we recommend, visit our Best Insurance Companies page.

Review Information