Signature Gap Insurance

Product Training

CurrentHealthcareLandscape

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Risinghealthcarecostsandhealthinsurancereformshaveshakenthingsupforemployers.Asaresult,manyofyourclientsareraisingtheiremployees’out-of-pocketcostsbymovingtohighdeduc7blehealthplans(HDHPs).

Changesinthemarket

Source: PwC 2015 Health and Well-being Touchstone survey

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Risingcontribu7ontocoverage

1 The Kaiser Family Foundation and Health Research & Educational Institute, Employer Health Benefits 2014 Annual Survey

This cost-shi7ing trend has lowered employer costs, but employees are now le7 open to greater financial risks.

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Due to the increases in the cost of care, more and more employees may be skipping or waiCng to seek treatment. When employees do so, they might risk long-term health issues that could cost more over Cme.

Risingcostsmeangreaterliabilityforemployees

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Percentage of consumers with employer-based insurance who took the following acCons in the last 12 months due to cost of care.

Theeffectsofcost-shiGingonemployeehealthcarechoices

Source: PwC Health Research Institute 2015 consumer survey

WhyyourclientsneedGapinsurance

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Your clients are faced with difficult decisions each year on how to offer affordable healthcare coverage, without subjecting their employees to financial risk. What are the most common ways you reduce your employer costs? • Raising deductibles • Offering higher co-pays • Increasing employee out-of-pocket maximums

ClientChallenges

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How do employers keep the negative results of deductibles, offering higher co-pays or increasing OOP maximums from impacting their employees? Further, if employees delay seeking appropriate medical care due to the cost, this may negatively impact productivity and ultimately the company’s bottom line.

Howtopreventemployeefinancialrisk

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The Kemper Benefits Signature Gap insurance plan works with an employer’s current medical coverage to help fill the gaps in their existing primary coverage, while maintaining employee benefits. Address your clients’ needs by offering them the option to enhance their protection and increase their peace of mind.

Whatisagapplan?

SignatureGapInsurance:AbePersolu7on

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Ournew,enhancedKemperBenefitsSignatureGapsolu7onhelpsfillintheholesleGbehindbyyourclients’primarycoveragewhenhospitalconfinedwithflexiblebenefits:

KemperBenefitsSignatureGapInsurance

•  AbroadrangeofInpa7entHospitalConfinementBenefitamounts

•  Moreoutpa7entcoverageamountop7ons

•  Flexiblebenefitmaximumscombinedwithdeduc7blechoices

•  Physicianofficevisitbenefitrideravailable

•  Guaranteedissue

•  Canbeofferedasvoluntaryoremployer-paid

•  5enrolledlivepar7cipa7onrequirement*

*Varies by state

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BroadRangeofInpa.entHospitalConfinementbenefitannualmaximumamounts

•  In-pa7entHospitalConfinementBenefit1$1,000-$7,000perperson

1ThemaximumInpa7entHospitalBenefitplusdeduc7bleselectedmaynotexceedtheInsuredPerson’stotalIn-Networkout-of-pocketexposureundertheemployer’smedicalplan.Inmostinstances,theemployerwillselectaGapbenefitmaximumthatislessthanthattotalexposure.

Benefitsataglance

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Outpa.entCoverageAnnualMaximum

•  Outpa7entcoveragebenefit2 PerPerson: 20%-70%oftheInpa7entmaximum

PerFamily: Upto2xtheperpersonmaximum

2TheperpersonOutpa7entBenefitPeriodMaximumselectedbytheemployermaynotexceed50%oftheIn-HospitalBenefitPeriodMaximum.PlansissuedwithanOutpa7entBenefitMaximumgreaterthan$2,500mustincludeaminimumGapBenefitPeriodDeduc7blethatmeetstheCompany’scurrentunderwri7ngguidelines.

Benefitsataglance

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PhysicianOfficeVisitBenefitRider

PhysicianOfficeVisitBenefitAnnualMaximum

•  PhysicianOfficeVisit(POV)Benefit3PerVisit:$10-$50($10increments)

PerFamily:8,10or12visits

3.PhysicianOfficeVisit(POV)BenefitnotavailablewithHSAcompa7bleplans.

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FlexibleAnnualBenefitMaximumsCombinedwithDeduc.bleChoices

•  Tradi7onalBenefitPeriodDeduc7bles

Perinsuredperson: None,$250,$500,$750,$1,000 or$1,250

AppliestoInpa7ent&Outpa7entBenefitRiderbenefits

•  Plantailoredtofitemployerneeds

Benefitsataglance

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HSACompa.bleBenefitPeriodDeduc.bleMinimum4

•  Individual Coverage (Employee only) $1,350

•  Family Coverage $2,700

Benefitsataglance

4TobeHSACompa7ble,theminimumIndividualandFamilyDeduc7blesrequiredbytheIRSmustbeissued.The2016and2017minimumrequireddeduc7bleis$1,300/$2,600.TheDeduc7blemustapplytoboththeInpa7entandOutpa7entBenefitsandmaynotbewaivedforAccidents.ThePhysicianOfficeVisitBenefitRidermaynotbeincluded.

Plan Details

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KemperBenefitsSignatureGapInsurance

ProductDescrip7on

Thisisanrenewable,limitedbenefit,groupmedicalexpenseGapproductthatprovidesbenefitsthatsupplementexis7ngemployergroupmedicalplans.Itcoverscertainpor7onsoftheout-of-pocketexpensesthatemployeesandtheirfamiliesincurundertheirMedicalPlan(coinsurance,copays,deduc7bles)uptothemaximumannualbenefitselectedbytheemployer.Itisdesignedtohelpfillgapsinprimarycoverage,suchascopays,coinsuranceordeduc7bles.Thisproductdoesnotpay100%ofout-of-pocketexpenses.Expensesmustbecoveredbytheinsuredperson’smedicalplantobecoveredunderthisproduct.

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ProductFeatures

•  Benefitsarepayablefor“CoveredCharges,”whicharedefinedastheinsuredperson’smedicalplandeduc7ble,copaymentsorcoinsurance.

•  Allplansincludeinpa7entandoutpa7entbenefits•  Pregnancyiscoveredsameasanysickness•  Usestheprimarymedicalplan’sEOB(explana7onofbenefits)asabasisfordeterminingwhatiscovered

•  PlansmayincludeaGapdeduc7bleop7onifelectedbythegroup•  Designedtobeexemptfromthehealthcareaccess,portabilityandrenewabilityrequirementsofTitleI(HIPAA)relatedtoemployergrouphealthplans

•  IncludesHSAcompa7bleop7ons

•  Guaranteedissue(subjecttoeligibilityrequirements)

•  Par7cipa7onrequirementof5enrolledlives

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ProductFeaturesandBenefitsAllbenefitop7onsareelectedattheemployergrouplevel.Benefitsarepayableiftheinsuredpersoniscoveredbyamedicalplanandcoveredchargesareincurred.Coveredchargesarethededuc7bles,copaymentsandcoinsuranceamountsthattheinsuredpersonisrequiredtopayunderhisorhermedicalplan.Eachbenefitissubjecttotheterms,condi7ons,limita7ons,exclusions,benefitperiodmaximumsandbenefitperioddeduc7bleincludedinthepolicy. Benefit BenefitOp.on BenefitPeriodMaximums

Inpa.entHospitalBenefit PerPerson $1,000-$7,000

Outpa.entBenefitRider PerPersonPerFamily

20%-70%oftheInpa7entmaxUpto2Xtheperpersonmax

PhysicianOfficeVisit(POV)Benefit

PerVisitPerFamily

$10-$50($10increments)8,10or12visits

Tradi.onalBenefitPeriodDeduc.ble

PerInsuredPerson

None,$250,$500,$750,$1,000or$1,250

Deduc.bleOp.ons(onlyavailablewithTradi7onalDeduc7bleplans)

NoDeduc7ble;appliestoInpa7ent&Outpa7entBenefitRiderbenefits

HSACompa.bleBenefitPeriodDeduc.bleMinimum

IndividualCoverage(Employeeonly)Familycoverage

$1,350$2,700

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Inpa7entHospitalBenefit

BenefitsarepayableiftheinsuredpersonishospitalconfinedundertheregularcareandaPendanceofaphysicianforatleast15hoursduetosicknessorinjuryandtheexpensesarecoveredbyandappliedtotheinsuredperson’smedicalplandeduc7ble,copaymentsorcoinsurance(coveredcharges).Coveredchargesfortreatmentinahospitalemergencyroomandtransporta7onbyambulancetoahospitalduetosicknessorinjuryarealsocoveredunderthisbenefitiftheinsuredpersonishospitalconfinedwithin24hoursofthetreatmentortransport.

Coveredchargesforhospitalconfinementoftheinsuredperson’snewbornchildrenarepayablefromthemomentofbirthun7ldischargedfromthehospital.BenefitsaresubjecttotheIn-HospitalMaximumBenefitshownintheScheduleofBenefits.ThehospitalconfinementmustbeginaGertheinsuredperson’seffec7vedate.In-HospitalMaximumBenefit

•  $2,000-$7,000perinsuredperson,perBenefitPeriodHSAInpa.entMaximumBenefit

•  $2,000-$5,000perinsuredperson,perBenefitPeriodNote:TheIn-HospitalBenefitMaximumplusdeduc7bleselectedmaynotexceedtheinsuredperson’stotalin-networkout-of-pocketexposureundertheemployer’smedicalplan(deduc7ble+coinsuranceandco-pays).Inmostinstances,theemployerwillselectaGapbenefitmaximumthatislessthanthattotalexposure.

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Outpa7entBenefitRider

Benefitsarepayableforcoveredchargesforoutpa7enttreatmentduetoaninjuryorsickness.CoveredchargesaresubjecttotheOutpa7entMaximumBenefitshownintheScheduleofBenefits.CoveredchargesmustbeginaGertheinsuredperson’seffec7vedate.

Thisbenefitincludescoveredchargesfortreatmentinahospitalemergencyroomandtransporta7onbyambulancetoahospitalduetosicknessorinjuryiftheinsuredpersonisnothospitalconfinedwithin24hoursofthetreatmentortransport.Italsoincludescoveredchargesforoutpa7entdurablemedicalequipmentreceivedbytheinsuredperson.

Thisbenefitdoesnotincludeanyexpensesincurredforoutpa7entprescrip7ondrugsoranexamina7onofaninsuredpersonbyaphysicianinthephysician’sofficeorurgentcarefacility.

Outpa.entMaximumBenefit•  PerInsuredPerson:20%-70%ofselectedIn-HospitalMaximumBenefitper

BenefitPeriod•  PerFamily:27mesthePerInsuredPersonOutpa7entMaximumBenefitNote:TheperpersonOutpa7entBenefitPeriodMaximumselectedbytheemployermaynotexceed50%oftheIn-HospitalBenefitPeriodMaximum.PoliciesprovidingOutpa7entBenefitMaximumsinexcessof$2,500mustincludeaGapplandeduc7ble.Theoutpa7entbenefitsareinlieuofanyinpa7entbenefit.Theoutpa7entbenefitdoesnotincludecoverageforanyexpensesincurredforanexamina7on.TheintentoftheOutpa7entBenefitRideristocovertreatment,suppliesandothernon-physicianrelatedoutpa7entcharges,whiletheOutpa7entPhysicianOfficeVisitBenefitRidercoversthephysician’sservicesfortheexamina7onoftheinsuredperson(officevisit).

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Outpa7entPhysicianOfficeVisit(POV)BenefitRider*

Benefitsarepayableforcoveredchargesforaninjuryorsicknessforanexamina7onof

theinsuredpersonbyaphysicianinthephysician’sofficeorurgentcarefacility.CoveredchargesaresubjecttotheOutpa7entPhysicianOfficeVisitMaximumBenefitshownintheScheduleofBenefits.Benefitsarenotpayableforanyotherserviceorsupplyprovidedinthephysician’sofficeorurgentcarefacility,includingbutnotlimitedto,chargesforx-raysandlaboratoryservices.

Outpa.entPhysicianOfficeVisitMaximum•  PerInsuredPerson:$10,$20,$30,$40or$50perphysicianofficevisit•  PerFamily:Uptwoamaximumof8,10,or12visitsperfamilyperbenefitperiodNote:TheintentofPhysicianOfficeVisitBenefitRideristocoverthephysician’sservicesfortheexamina7onoftheinsuredperson(officevisit),whiletheOutpa7entBenefitRidercoverstreatment,suppliesandothernon-physicianrelatedoutpa7entcharges.Benefitsarenotpayableforanyotherserviceorsupplyprovidedinthephysician’sofficeorUrgentCareFacility,including,butnotlimitedto,chargesforx-raysandlaboratoryservicesundertheOutpa7entPhysicianBenefitRider.BenefitPerioddeduc7blesdonotapplytothisRider.ThisriderisnotavailablewithGapplansissuedtosupplementaHighDeduc7bleHealthPlanthatrequiresHSAcompa7bility.

*POVRidernotavailablewithHSAcompa7bleplans

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Deduc7bleOp7ons

Tradi.onalPerPersonBenefitPeriodDeduc.ble•  PerInsuredPersonperBenefitPeriod:None,$250,$500,$750,$1,000or$1,250

Note:BenefitsarepayableforanInsuredPersonaGertheyhavesa7sfiedthe“perInsuredPerson”deduc7ble

HSACompa.bleIndividualCoverage/FamilyCoverageBenefitPeriodDeduc.ble

•  IndividualCoverage(EmployeeOnly):$1,350•  FamilyCoverage:$2,700 Note:Ifoneormoredependentsarecoveredundertheemployee’scer7ficateofinsurance,theen7reFamilyCoverageDeduc7blemustfirstbemetbeforeanybenefitswillbepaidforanyinsuredperson.TheFamilyDeduc7blemaybesa7sfiedbyoneormoreinsuredpersons.Thistypeofdeduc7bleisrequiredforHighDeduc7bleHealthPlans(HDHP)thatareHSAcompa7ble.TobeHSAcompa7ble,theminimumIndividualandFamilyDeduc7blesrequiredbytheIRSmustbeissued.Thededuc7blemustapplytoboththeInpa7entandOutpa7entBenefits.

Deduc.blesapplyto:•  BoththeInpa7entHospitalBenefitandtheOutpa7entBenefitRider

Deduc.blesdonotapplyto:•  Outpa7entPhysicianOfficeVisitBenefitRiderBenefits

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PoliciesmarketedbyReserveNa.onalInsuranceCompany,aLifeandHealthCompany.PoliciesIssuedbyFidelitySecurityLifeInsuranceCompany(FSL)notaffiliatedwithKemperCorpora7on.FSListheinsurancecompanyunderwri7ngtheKemperBenefitsSignatureGapplan.FSLislocatedinKansasCity,Missouri,andhasbeenrated“A-”(Excellent)basedonananalysisoffinancialposi7onandopera7ngperformancebyA.M.BestCompany,anindependentanalystoftheinsuranceindustry.Forthelatestra7ng,accesswww.ambest.com.Incaseofconflictbetweenthispresenta7on,thecer7ficateofinsuranceandtheMasterPolicy,thelanguageoftheMasterPolicyisoverriding.AsampleMasterPolicyisavailableuponrequest.Pleaseverifystateavailabilityatthe7meofsale.GroupMasterPolicyNo.MG-158/MG-159/MG-160,PolicyFormNo:M-9134Formnumbersmayvarybystate.KemperBenefits,kemperbenefits.com,ispartofKemperCorpora7on(NYSE:KMPR),adiversifiedinsuranceholdingcompany,withsubsidiariesthatprovideanarrayofproductstotheindividualandbusinessmarkets.TheKemperBenefitsSignatureGapinsuranceplanisnot“minimumessen7alcoverage”underthefederalAffordableCareAct.NeitherReserveNa7onalInsuranceCompany,FSLnortheiragents,representa7ves,associatesoremployeesrenderlegalortaxadvice.Theemployershouldseektheexpertassistanceofitsownlegalortaxadviser.ThisisonlyasummaryofproductsandservicesofferedbyFSL.Actualofferingsmayvarybygroupsizeandotherunderwri7ngconsidera7ons,andaresubjecttostateinsurancelaw,andthebenefits/provisionsasdescribedmayvaryduetosuchlaw.Allproductsaresubjecttotheterms,condi7ons,limita7onsandexclusionsofthespecificpolicy.Pleaseseethespecificpolicyandcer7ficatesfordetails.Policiesarenotavailableinallstates.©2016.Allrightsreserved.

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