GAP Insurance

Employers face difficult decisions on how to manage rising health insurance costs with offering quality benefits to their employees. Our approach to GAP insurance helps them confidently manage both.

Kemper Health’s GAP plan is secondary insurance that is a supplement to medical coverage by providing benefits to help offset the costs related to inpatient and outpatient medical care. Kemper Health offers two types of GAP plans—Kemper Health GAP and Signature GAP.

Plans at a glance

Kemper Health GAP – One Combined Benefit

  • Combined benefit for inpatient and outpatient services for employees and covered dependents.
  • Optional outpatient services, such as hospital emergency room, urgent care facility or ambulance.
  • Benefit amounts up to $10,000.
  • Optional benefit for treatment of mental illness and/or substance abuse.

GAP – Two Separate Benefits

  • Separate benefit amounts for required inpatient and optional outpatient services.
  • Inpatient benefit amounts up to $7,000.
  • Broad range of outpatient services covered.

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.