At Bluewave Insurance we are proud to offer Reserve National to our clients. If you are interested in learning more about Reserve National and their Medicare supplement plans, contact us at 800-208-4974 to find out more or get a free quote online.
Company History and Background
Reserve National Insurance is a Kemper Life & Health company that has been serving most US states since 1956. Located in Oklahoma City, Oklahoma, they pride themselves for helping individuals, families, small business owners, and most of all, policy holders with their health insurance needs.
Reserve National is also a part of the Better Business Bureau and the U.S Chamber of Commerce in Oklahoma. Although their main office is in Oklahoma City, they work with agents across the nation making sure customers get the health insurance they deserve.
Financials and Plan Ratings
As part of the Kemper Life & Health network, Reserve National Insurance company has access to over $11 billion in assets. Their current rating is A- (Excellent) vetted by the. A.M. Best Company. This rating is important because it demonstrates financial stability and puts Reserve National in the forefront as one of the leading insurance companies in the country.
Additional Reserve National Insurance Products
Reserve National Insurance company also offers additional insurance products which includes:
- Accidental policies
- “Affordable Cost Solution” fixed indemnity policy
- Hospital confinement cash policy
- Supplemental outpatient policies
- Supplemental dental and vision expense policy
- Home health care
- Life insurance
- Critical illness indemnity policy
- Cancer indemnity plans
- Cancer indemnity policy
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Reserve National Medicare Supplement Insurance Plans
Original Medicare insurance Parts A and B can help pay for a number of health care needs. However, not everything is covered and that’s when a Medicare supplement plan or Medigap plan can help cover out-of-pocket costs and rising health care expenses.
Through Reserve National Medicare supplement insurance it can guarantee a number of benefits that Primary Health Care or Original Medicare cannot cover. This includes benefits such as:
- Hospital confinement
- Outpatient doctors office visits
- Prescription drugs
- Air ambulance
- Emergency rooms
That’s just a short list of the guaranteed benefits with Reserve National Insurance. Here’s a more detailed list of what Reserve National offers for Medicare supplement plans:
If you have any questions on Medigap or Medicare Supplements, give us a call at 800-208-4974, one of our licensed agents will be delighted to help you.
In order to be eligible for Reserve National Medicare supplement plans you must be a Medicare beneficiary, age 65 or older, and enrolled in Medicare Part B. If you have recently turned 65, it is guaranteed that Reserve National cannot turn you away as long as you continue to pay the policy premiums on time.
Reserve National provides home health care services if deemed “medically necessary.” This policy allows patients to leave the hospital and receive care in their own home. Fixed cash benefits are paid if patients receive: prescription drugs, skilled nursing care, general nursing care, physical therapy, speech pathology and more. Check out the Kemper Health site to view the full list.
Yes, Reserve National Medicare plans are available in Oklahoma, as well as most states in the U.S.
Reserve National the Leader in Under 65 Medigap
Reserve National Insurance company is actually one of the leading competitors in providing Under 65 Medicare supplement insurance in some states. Some of the benefits available for patients Under 65 include:
- Outpatient chemotherapy and radiation therapy
- Outpatient imaging and lab work
- Ground ambulance
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To find out if you qualify for Under 65 Medicare supplement benefits, contact one of our expert insurance agents at 800-208-4974 for more information and a free consultation.
Reserve National Medicare Supplement Plan F
Medicare supplemental Plan F through Reserve National is one of their most popular plans. Medicare supplement Plan F offers comprehensive coverage even helps pay for Plan B excess charges.
With Plan F there are no copays, no deductibles, and no out-of-pocket costs. In addition, to having Original Medicare (Part A and Part B) you will not pay more for doctor visits or hospital charges. Plan F will cover those expenses.
Reserve National Plan F highlights:
- Excess charges
- Skilled nursing facility coinsurance
- Foreign travel emergency care
High Deductible Plan F
High-deductible Plan F has a large out-of-pocket cost. You must pay for coinsurance, copayment, and deductibles (Medicare-covered costs) up to the deductible amount of $2,490 before your Medicare supplement policy pays for anything.
Reserve National Medicare Supplement Plan G
With Medicare supplement Plan G you gain all the benefits of Original Medicare (Parts A and B), except for the Part B outpatient deductible, which is $226 in 2023.
Reserve National Insurance helps cover the following costs:
- Inpatient hospital coverage
- Blood transfusions
- Skilled nursing care
- Hospice care
Get a personalized Plan G quotes instantly with our easy to use Medigap comparison form.
Reserve National Medigap Plan N
Through Reserve National Medigap Plan N it provides the basic benefits coverage as well as Medicare Part A deductible. In addition, Medigap Plan N pays 100% of Part B coinsurance. However, Medicare Part B deductible and excess charges must be paid out-of-pocket, as well at $20 copays for each doctor office visit and up to $50 in emergency room visits.
A few services that Plan N covers includes:
- Blood (first 3 pints)
- Medicare Part B coinsurance
- Part A deductible
Our Expert Recommendation
Navigating the world of varying Medicare supplement insurance policies can be challenging. However, at Bluewave Insurance we strongly believe that Reserve National is an insurance company that you can count on. They not only have a strong financial A- rating (A.M Best Company), but they also have a A+ rating on the Better Business Bureau (BBB). With Reserve National you can also choose from a number of Medicare Supplement plans that fit your healthcare needs.
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If you are interested in a FREE quote comparison or need help applying for coverage, call us at 800-208-4974 today!
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