We Protect You Better
Insurance products and expert guidance
to help you navigate through today’s
health insurance landscape and protect
what matters most.
Individual Products
We help individuals and families find the right policies that best fit their unique situations and budgets. From Affordable Care Act ("ACA")* plans and available subsidies, to Medicare plans and private insurance that help protect your health and finances.
Employers/Groups
Whether you are a Benefits Executive or HR manager, our product portfolio is equipped with small and large business solutions that are designed, administered and serviced specifically for your company size needs.
Our History
In 2022, Reserve National Insurance Company joined the Medical Mutual family of companies and is now branded as MedMutual Protect. MedMutual Protect combines Medical Mutual’s health insurance and wellness experience with Reserve National’s legacy of quality products, personal care and expert guidance. Together, they bring nearly 150 years of insurance experience to service households and businesses.
About MedMutual Protect
Across the United States, our agents show people in their communities how to navigate health insurance. From individual consumers to family households, from entrepreneurs to micro businesses, MedMutual Protect agents guide their clients through government and private insurance options. Additionally, our strong broker relationships and suite of group products, empower employers to offer easy-to-administer hospital, critical illness, accident, dental, and short-term disability insurance.
Individual Policyholders
File a claim, download forms, make a payment and more from our individual policyholder page.
Group Employees
If you have a MedMutual Protect policy through your employer, visit our group employees page to access helpful resources.
Senior Solutions Policyholders
Visit our Senior Solutions policyholder page if you're a current policyholder and need to file a claim, access forms and more.
*ACA plans are brokered through Summerset Marketing Company.
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, Reserve National Insurance Company, or MedMutual Life Insurance Company. United Insurance Company of America is not financially affiliated with Medical Mutual of Ohio. 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 products, 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 products 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.