Medical Gap Insurance | Reserve National Insurance Company

Are you insured but not covered? Every day more and more Americans are finding gaps in their primary health insurance coverage. Rising health care costs, higher deductibles and out-of-pocket expenses are becoming a concern. Many find they cannot afford these expenses. Others have discovered their primary doctor, specialist, or hospital is out-of-network, resulting in even greater out-of-pocket expenses.Reserve National's Medical Gap Protection Policy is a Fixed Indemnity policy that provides benefits to help cover these gaps in your health insurance coverage.

Benefit coverages vary based on the package you select.

Package choices for ages 0-64 are: Select, Companion, Companion Plus or Premier.

Package choices for ages 64-84 are: Choice or Choice Plus.

BENEFIT OVERVIEW - Ages 0-64	BENEFIT OVERVIEW - Ages 64-84 *
Hospital Confinement	Hospital Confinement
Day of Surgery	Day of Surgery
Prescription Drugs	Outpatient Doctor Visits
Air Ambulance	Prescription Drugs
Ground Ambulance	Air Ambulance
	Ground Ambulance
	Adult Day Care
Additional Available ages 0-64	Additional Available ages 64-84 *
Outpatient Chemotherapy and Radiation Therapy	Outpatient Chemotherapy and Radiation Therapy
Outpatient Imaging and Lab Tests
Outpatient Doctor Visits
Emergency Rooms
Urgent Care Center

Policy Form SFI-1

MedMutual Protect is the brand name for insurance products issued by subsidiary insurance companies controlled by Medical Mutual of Ohio. Each subsidiary of Medical Mutual of Ohio is solely responsible for the insurance products it underwrites and issues. Insurance benefits under Medicare Supplement Plans are underwritten by United Insurance Company of America or Reserve National Insurance Company. Insurance benefits under other available coverages are provided by Reserve National Insurance Company. Form numbers, availability and policy provisions may vary by state. A company agent may contact you with details about benefits, costs, limitations, exclusions, renewability and waiting periods. Each individual's eligibility is subject to underwriting guidelines. This coverage is designed to supplement, and not take the place of, "minimum essential coverage" under the federal Patient Protection and Affordable Care Act. Not affiliated with or endorsed by the U.S. Government or the Federal Medicare Program.

The underwriting company for the worksite voluntary Accident Expense, Accident Indemnity, Cancer, Critical Illness, Dental, GAP, 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®(FSL). FSL is not ﬁnancially afﬁliated with Medical Mutual of Ohio. All products are subject to the terms, conditions, limitations and exclusions of the speciﬁc policy. Product availability may vary by state. FSL is located in Kansas City, Missouri, and has been rated “A” (Excellent) based on an analysis of financial position and operating performance by A.M. Best Company, an independent analyst of the insurance industry. For the latest rating, access www.ambest.com.

Neither Reserve National Insurance Company, FSL, 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.

The MedMutual Protect voluntary insurance plans, either alone or in combination with each other, are not “minimum essential coverage” under the federal Affordable Care Act.

IMPORTANT: If an individual is insured under one or more MedMutual Protect 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 MedMutual Protect 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. . MedMutual Protect acts solely as the issuer and underwriter of these insurance products and as such, neither MedMutual Protect nor any of its affiliates or agents assume any fiduciary or administrative responsibility or duties with respect to any employee benefit plan under which the products are made available. You should consult with an experienced attorney concerning the requirements for compliance with ERISA.

For New Mexico, the producer is Roger Schuster and his National Producer Number (NPN) is 924689.

* This is not a Medicare Supplement policy