KEMPER HEALTH

Vision Insurance

At Kemper Health, we understand that reliable vision care coverage brings peace of mind and a feeling of well being. The stand alone, fully insured or self-funded vision programs offer one of the most comprehensive solutions in the vision care industry. Kemper Health Vision insurance plan provides a generous allowance for vision care services and materials. The advantages of the Kemper Health Vision Plan’s product design ensures that your employees will receive options to find the care they need, and is unrivaled in the market.

With the staggering of number of people suffering from poor eyesight, a solution is sought after. With most health plans not providing adequate coverage for routine eye care, you will find comfort in knowing their routine eye examinations and vision correction materials are covered in full with the Kemper Health Vision plan.

Plan at a glance

  • A comprehensive eye exam is included for each covered member
  • Standard spectacle lenses are a covered benefit, with an option for specialty lenses
  • Frames are provided a generous allowance or covered in full in some instances
  • Contacts are available in the place of lenses and frames
  • Members may use their Laser Vision Correction discount plus an allowance as an alternative to corrective eyewear
  • A large nationwide network of optometrists, ophthalmologists and retail chain locations
  • Employer-paid plans available with a 75% contribution by the employers

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.