KEMPER HEALTH

A Message to Our Customers from Kemper’s CEO on COVID-19

In efforts to help slow the spread of COVID-19, we want to make sure you can stay connected with us. If you are a policyholder, we encourage you to access your account online to make payments, manage claims and access policy information. If you are an agent or broker, please contact your Territory Manager. Employers please contact your broker or Account Manager by email.

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. If you experience longer than expected call wait times, we appreciate your patience and understanding.

Bringing Value Back to Benefits

Kemper Health brings solutions to employers that meet the various challenges they face, and provide long-term security for their employees.

Information about Coronavirus (COVID-19)

In response to the changing conditions of COVID-19 (Coronavirus) throughout the country, Kemper Health 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, Kemper Health 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: Kemper Health 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. Kemper Health policies are underwritten by Reserve National Insurance Company and United Insurance Company of America.

Kemper Health encourages all policyholders to refer to the CDC for COVID-19 updates, prevention, and more.

For more information, visit KemperBenefits.com or visit the CDC's Coronavirus page.

Kemper Health is the brand name for insurance products issued by subsidiary insurance companies controlled by Kemper Corporation. Each subsidiary of Kemper Corporation is solely responsible for the insurance products it underwrites and issues.

The underwriting company for the worksite voluntary Accident Expense, Accident Indemnity, Cancer, Critical Illness, Dental, Short Term Disability and Whole Life Insurance Products is Reserve National Insurance Company, which is responsible for the underwriting risks, financial and contractual obligations and support functions associated with the products it issues. The underwriting company for the worksite voluntary Hospital Indemnity, Signature Gap, Indemnity Outpatient Prescription Drug, Limited Medical, and Vision Insurance Products is Fidelity Security Life Insurance Company. Fidelity Security Life Insurance Company is not financially affiliated with Kemper Corporation. All products are subject to the terms, conditions, limitations and exclusions of the specific policy. Product availability may vary by state. The Kemper Health voluntary insurance plans, either alone or in combination with each other, are not “minimum essential coverage” under the federal Affordable Care Act. Neither Reserve National Insurance Company, Fidelity Security Life Insurance Company, nor their agents, representatives, associates or employees render legal or tax advice. The employer should seek the expert assistance of its own legal or tax adviser.

IMPORTANT: If an individual is insured under one or more Kemper Health voluntary insurance plans and is also covered by Medicaid or a state variation of Medicaid, most non-disability benefits are automatically assigned according to state regulations. This means that instead of paying the benefits to the insured individual, we must pay the benefits to Medicaid or the medical provider to reduce the charges billed to Medicaid. Proposed insureds should consider their circumstances before enrolling in Kemper Health coverage.

If you are an employer offering one or more of these insurance products to your employees, the product(s) may constitute a part of an employee benefit plan under the Employee Retirement Income Security Act of 1974 (“ERISA”). An employer offering an ERISA employee benefit plan will be responsible for a number of obligations applicable under ERISA, including, without limitation, the obligation to make required disclosures to employees and file reports with the federal government. You should consult with an experienced attorney concerning the requirements for compliance with ERISA.