Health Notes

What is a Consolidated EOB (Explanation of Benefits)?When you get health care, the doctor, hospital or dentist asks us to pay for the service they provided by submitting a claim. After we process the claim, you get an Explanation of Benefits, or EOB.

A consolidated EOB combines all EOBs for claims processed during a set period of time (21 business days) into one document. The EOB also includes claims information for your spouse and dependents. An EOB is not a bill.

Why is Kemper Health moving to a consolidated EOB?Because we know health care expenses can be confusing, we’ve minimized the amount of statements you receive, simplified the language and summarized the most important information about your claims.

Most policyholders find a consolidated EOB is easier to understand, plus it helps organize your claims information into one document. An added benefit is a reduction in the amount of paper used to print the statements, which helps our environment.

How often will I receive an EOB?Every 21 business days, any EOB information related to claims processed for you during this period will be printed on one document, and mailed to you.

What if I can’t wait and need to see my claim information before I get my EOB?You can check the status of all your claims by logging in to the policyholder portal on the www.kemperhealth.com or www.reservenational.com websites. Also, once a claim has been processed for payment, you can view individual EOBs. If you need help with your password, call our customer service team.

New EOBsThis is one of those times, when less can be better. Kemper Health is introducing our new Explanation of Benefits (EOB). In the past, when a Kemper Health policyholder had a claim, an EOB would be generated for each occurrence of care; which resulted in an insured receiving multiple EOBs. Our new EOB consolidates all your claims into one document.

Now, every 21 business days, an explanation of coverage for claims processed during this period is consolidated into one EOB. Also, any claims for your spouse and dependents appear on the same EOB. Now you will have one easy-to-read document, that covers all claims processed within the 21-day cycle.

Kemper Health is committed to finding ways to help you, our customer. If you have any questions, call our friendly Customer Service team. Their contact information is on the last page of this newsletter.

Explanation of Benefits - FAQs

Explanation of BenefitsTHIS IS NOT A BILLRETAIN FOR TAX PURPOSES

If there are any questions concerning this claim, pleaseIf there are any questions concerning this claim, pleaseIf there are any questions concerning this claim, pleaseIf there are any questions concerning this claim, pleasecontact our customer service department at

contact our customer service department at contact our customer service department at contact our customer service department at 1-800-654-91061-800-654-91061-800-654-91061-800-654-9106or www.kemperhealth.com.or www.kemperhealth.com.or www.kemperhealth.com.or www.kemperhealth.com.

Date: 00/00/2019

Customer Care Information

The information below is a summary of your healthcare claims for the period referenced above. This information is commonly

referred to as an "Explanation of Benefits" (EOB). This is a summary, followed by the claim details, of how your recent claims

were processed. It includes any co-pay, deductible, coinsurance (%) or non-covered amounts that you may owe to the

provider(s) of service. Use this EOB to verify the accuracy and validity of any bill you may receive from the provider(s) listed

below.

Dear JOHN D DOE,

Total Amount Billed

Total Amount Paid By Plan

Your Financial Responsibility

This is the total amount for bills received for the dates of service 00/00/2019 through00/00/2019

This is the amount the plan paid for services billed. Please see the claim detailsection below for more information.

This is the amount the provider of service may bill you after your health plan benefitswere paid. Typically a plan participant may be billed by the provider of servicebecause they may have a deductible, co-pay, coinsurance (%), or the service is notcovered by the health plan. A breakdown of your total financial responsibility is shownin the claim detail for each member.

$000.00

$000.00

$000.00

For the Period: 00/00/2019 through 00/00/2019

** Kemper Health is always looking for ways to help you better manage your health care. We are nowproviding consolidated EOB’s. Consolidated EOB’s are more efficient and can help you stay organizedby putting multiple EOB information together in one document.

PatientResponsibility

CodeDates ofService

JOHN D DOEClaimant:

Patient: DOE, JANE J

Claim #: 111111111

Patient Acct #:P000000000

BEST MEDICAL GROUP Provider:

TotalCharge

Repriced Covered

Policy #:00H0000000

Remark#

ServiceCode

Relation: Wife

$00.00 rm

D37 $00.00 $00.00 $00.00

00/00/00 - 00/00/00 93010Totals

$00.00

$00.00 $00.00 $00.00

PO BOX 26620OKLAHOMA CITY OK 73126-0620

Forwarding Service Requested

********************************SNGLPJOHN D DOE1111 MAIN STCITY ST 11111-1111

[1] 1 of 2

Health TipsAre you Using the Kemper Health RxChoice Plus Discount Card?If you aren’t using your RxChoice Plus discount card, then maybe you should be, especially if you are taking the medications listed below.

According to our prescription network, during the month of September 2019, the 25 drugs shown below received the highest discount when using the RxChoice Plus Card. The discount you receive will vary by type of medication, the pharmacy you use and your location.

September’s Top 25 Most Discounted Drugs Using RxChoice Plus Card

 MELOXICAM FLUOXETINE HCL SIMVASTATIN LOSARTAN POTASSIUM AMLODIPINE BESYLATE ATORVASTATIN CALCIUM ESCITALOPRAM OXALATE CITALOPRAM HYDROBROMIDE BUPROPION HYDROCHLORIDE E CYCLOBENZAPRINE HYDROCHLO ESTRADIOL GABAPENTIN LISINOPRIL/HYDROCHLOROTHI

For more information and to start saving on prescriptions, doctor visits, dental care, vision care, lab and imaging tests and more, you can contact your local agent or agency office, or go to www.RxChoicePlus.com for instructions on how to print a card or download the free WellCard Health app.

Show the pharmacy your WellCard, and they’ll show you the savings on your prescriptions.

my pharmacist shows me the

savings!”

“When I show my

A PRESCRIPTION SAVINGS PROGRAMPresent this card to your pharmacy and provider. Brought to you by:

WC-2

Processor: NetCard Systems Bin #: 008878

Group ID: EH2004Member ID:

RRxxCChhooiicceePPlluuss..ccoomm

This is not insurance. It is a discount medical program. It does not replace COBRA or any other medical insurance program nor is it a Medicare Part D prescription drug plan. WellCard Health does not qualify for essential coverage under the Affordable Care Act (ACA). Cardholders are responsible for paying the discounted cost at the time of service from participating providers. WellCard Health has no membership fee nor is participation in any organization or purchase of any good or service required to obtain or use WellCard Health. WellCard Health will not share or sell your personal information. The discount plan organization is Access One Consumer Health, Inc., 84 Villa Road, Greenville, SC, 29615, www.accessonedmpo.com. This program is not available to residents of Montana, but may be used by non-residents at participating Montana providers. Other state residents: visit www.WellCardHealth.com for full disclosure statement. **Based on Rx utilization as reported by WellCard Health as of September 2019.

 LISINOPRIL HYDROCHLOROTHIAZIDE AZITHROMYCIN ALPRAZOLAM METOPROLOL SUCCINATE ER LEVOTHYROXINE SODIUM HYDROCODONE/ACETAMINOPHEN AMPHETAMINE/DEXTROAMPHETA PREDNISONE AMOXICILLIN METHYLPREDNISOLONE DOSE P ALBUTEROL SULFATE HFA

Wash your hands oftenKeeping hands clean is one of the most important steps you can take to avoid getting sick and spreading germs to others. Wash your hands with soap and warm water for at least 20 seconds. Cover your mouth and nose with a tissue when you cough or sneeze.

Stay warmCold temperatures can cause serious health problems, especially in infants and older adults. Stay dry, and dress warmly in several layers of loose-fitting, tightly woven clothing.

Manage stressKeep a check on over-commitment and over-spending. Balance work, home, and play. Get support from family and friends. Keep a relaxed and positive outlook and get enough sleep.

Travel safely by carWhether you’re traveling across town or across the country, take steps to ensure that your trip is safe. Don’t drink and drive, and don’t let someone else drink and drive. Wear a seat belt every time you drive

Advice from the CDC: Holiday safety and health for familiesor ride in a motor vehicle. Always buckle your child in the car using a child safety seat, booster seat, or seat belt according to his/her height, weight, and age.

Watch the kidsChildren are at high risk for injuries. Keep a watchful eye on them when they’re eating and playing. Have potentially dangerous toys, food, drinks, household items, choking hazards (like coins and hard candy), and other objects out of kids’ reach. Learn how to provide early treatment for children who are choking, and make sure toys are used properly.

Prevent injuriesInjuries can occur anywhere and some occur around the holidays. Use step stools instead of furniture when hanging decorations. Keep candles away from children, pets, walkways, trees, and curtains. Never leave fireplaces, stoves, or candles unattended. Don’t use generators, grills, or charcoal-burning devices inside your home or garage.

*Source: https://www.cdc.gov/family/holiday/index.htm

Since December 2015, Kemper Health policyholders and their families have saved

$4,193,815.35 – an average savings percentage of 65.67%

on their prescription costs using the RxChoice Plus

discount card.**

H O L I DAY FAVO R I T E

The title is a clue to the word in the shaded diagonal.

PRIVACY POLICYWe are committed to keeping your personal information safe and secure. We restrict access to nonpublic personal information about you to those employees and agents who need to know that information to provide insurance to you and conduct our business.We maintain physical, electronic and procedural safeguards to protect your nonpublic personal information.

Information We Gather and Communicate:In order to conduct our business, we collect and maintain a range of nonpublic personal information about prospective, current and former insureds from the following sources:• Information we receive from prospective insureds on inquiries about

our products, such as name, age, gender, address, telephone number and occupation.

• Information we receive from you on applications or other forms, such as name, age, gender, address, telephone number, social security number and health information.

• Information about your transactions with us, our affiliates or others, such as approval or declination of an application for insurance, insurance coverage, premiums and claims payments and denials.

In order to underwrite applications for insurance and process claims, as permitted by law, we may disclose all of the information that we collect, as described above, to nonaffiliated third parties such as health care providers, reinsurers and family or legal representatives acting on your behalf.In order to conduct our business and provide prospective, current and former insureds with information on insurance and related product

offerings, as permitted by law we may disclose all of the information that we collect, as described above, to the following affiliates and nonaffiliated third parties:

• Our agents who perform marketing services on our behalf and with whom we have joint marketing agreements prohibiting their disclosure or use of such information other than to carry out our business.

• Companies or organizations that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

In order to conduct our business, as permitted or otherwise required by law, we may also disclose all of the information we collect, as described above, to other affiliates and nonaffiliated third parties.

If you have any questions concerning this notice or our privacy policy, you may contact us at 800.654.9106.

The Health Insurance Portability and Accountability Act (“HIPAA”) also addresses privacy of your “protected health information,” and requires us to (1) maintain the privacy of your protected health information; (2) provide you with a notice of our legal duties and privacy practices with respect to your protected health information; and (3) follow the terms of the notice we provide you. A copy of our HIPAA Notice of Privacy Practices for Protected Health Information is included with each policy we issue.

You may also obtain a copy of that Notice by calling us at 800.654.9106, by writing to us at 601 East Britton Road, Oklahoma City, OK 73114, or by visiting our website at https://reservenational.com.

Across1. Tax prep. expert4. Like Batman and Superman9. PC linkup10. Bridal path11. Ashes holder12. Fairy tale brother13. Piano pieces15. Therefore16. Yucatan natives18. Tagged player20. “Stubborn ____ a mule”23. Boston newspaper25. “Wheel of Fortune” purchase26. Overhangs27. Place to stay28. Twosomes29. Born as Down1. Hint2. Hair line

3. Per _______ (yearly)4. The trait of being cautious and wary5. Lung compartment6. “Desire Under the ____”7. Adopted son of Claudius8. Showroom model14. Smeared17. Assasinated18. Got mellower19. Do away with21. Author Rice22. Eat24. Eggs

Published semi-annually for Kemper Health policyholders. Copyright © December 2019 by Reserve National Insurance Company. The Kemper Health insurance products are individually underwritten by Reserve National Insurance Company, a subsidiary of Kemper Corporation. Any medical information in this publication is meant to complement the advice and guidance of your physician, not to replace it.

Customer Service Center We’re Here to Help!

Change of address? New phone number? Please let us know!To better serve you as a policyholder, we must keep your current address and phone number in our records. If you have moved or changed phone numbers recently, please call our Customer Service toll-free line at 800.654.9106. You may also email us at KemperHealthCS@kemper.com. To ensure that we update your records correctly, please include your policy number(s).

If you change addresses in the future, you will also need to fill out a Change of Address card at your local United States postal facility. Before submitting your Change of Address card, please discuss your planned change with a U.S. Postal Clerk and have them examine your change on your card to make sure it is correct. This will ensure your mail is forwarded to your new address.

Kemper Health601 E. Britton Rd.

Oklahoma City, OK 73114

Kemper Health’s Customer Service Department, based in Oklahoma City, solves problems every day for customers across the United States. If you have a question about a claim, premium payment or your policy, please give one of our Customer Service Representatives a call. They’ll give you the personal attention you deserve.

Kemper Health Customer Service:

800.654.91068 a.m. - 4:30 p.m.

Monday through FridayAll times are Central Time Zone.

You can also reach us by email: KemperHealthCS@kemper.com

Please have your policy number when calling, and/or include it

within your email.

Kemper Health601 E. Britton Rd.Oklahoma City, OK 73114

In This Issue:n New EOBs

n Kemper Health RxChoice Plus Discount Card

n Holiday safety and health

n Privacy Notice

n Crossword puzzle

n Customer Service Center

Winter 2019

Health Notes

*Links are provided as a convenience and for informational purposes only; it does not constitute an endorse-ment or an approval by Kemper Health of any of the programs, services or opinions of the organization. Kemper Health bears no responsibility for the accuracy, legality or content of the external site. Contact the external site for answers to questions regarding its content.