The Reserve National Insurance Company has been in business for over 55 years offering services (including their signature Reserve National Medicare Plans). They pride themselves on stability, close family values, and serving the rural, the self-employed, and small business owners. They are based out of Oklahoma City, OK.

Affiliated Brand Names

  • Reserve National Insurance Company
  • Reserve National
  • Kemper
  • Kemper Life & Health

Company Highlights

  • Based out of Oklahoma City, OK
  • Over 6 million active policy holders
  • More than $8 billion in active assets

Medicare Plans Offered

Reserve National is a provider of many different types of supplemental insurance plans. As such, they provide a wide variety of Medicare supplement (Medigap) policies for you to choose from.

Medicare Supplement Plans YES
Medicare Advantage Plans NO
Medicare Part D Drug Plans NO

Reserve National Medicare Plans Premium Comparison

If you want a direct, accurate quote from Reserve National, we’ll be glad to help you with that. However, if you’re still in the early stages of shopping around, it can be helpful to compare them to the national average. Take a look at the graph below for more information:
This Table Represents National Average Costs of Medicare Supplement Plans

Plan Type Starting From Part A Deductible Part B Deductible Excess Nursing Travel
Plan C $118* $0 $0 Not Covered 100% Covered 100% Covered
Plan F $116* $0 $0 100% Covered 100% Covered 100% Covered
Plan G $105* $0 $233 100% Covered 100% Covered 100% Covered
Plan B $104* $0 $233 Not Covered Not Covered Not Covered
Plan N $70* $0 $233 Not Covered 100% Covered 100% Covered
Plan D $97* $0 $233 Not Covered 100% Covered 100% Covered
Plan A $69* $1,556 $233 Not Covered Not Covered Not Covered
Plan L $76* $389 $233 Not Covered 75% Covered Not Covered
Plan K $45* $778 $233 Not Covered 50% Covered Not Covered
Plan M $97* $778 $233 Not Covered 100% Covered 100% Covered

Financial Strength Ratings

You’re going to want to invest in a company with a strong financial rating. This is a sign that your provider will be there when you need them to handle your claims and help you manage your health care benefits for many years to come.

A.M. Best Rating A-
Standard & Poor’s Rating No Rating
Moody’s Rating No Rating

*Ratings as of 2/17/15

Reserve National Insurance Company Video

Reserve National Insurance Company Review

Reserve National has been operating as a subsidiary of Kemper Life & Health since 1998. Together, these companies have been providing supplemental health products for Midwesterners with a healthy dose of old-fashioned values. They specialize in providing affordably-priced insurance products for those who would otherwise be unable to ensure themselves.

  • Market Experience
  • Fast Claims Processing
  • Strong Financial Reserves
  • Competitive Rates
  • Customer Satisfaction

How To File A Claim With Reserve National Medicare Plans

Telephone Number: 1-800-654-9106

To speak with a person:

  1. Wait for a brief automated message
  2. Press “2” for policy holders
  3. Press “1” for claims
  4. Press “1” for instructions on filing a claim
  5. You will hear an automated message instructing you to go to their website in order to download a claim form and mail it to their corporate office in Oklahoma City, OK. Unfortunately, it is not possible to file a claim with a live customer service representative over the phone.

Company Contact Information

Customer Service:


Mailing Address:

Reserve National Insurance Company

601 E Britton Rd

Oklahoma City, OK 73114

How To Get A Rate Quote

Customers looking to get a rate quote, or learn more about plans have 2 options:

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.