Reserve National Insurance
Reserve National Insurance Company, a subsidiary of Medical Mutual of Ohio, underwrites Medicare Supplement and supplemental health insurance products under the MedMutual Protect brand, serving seniors, individuals, families, and small businesses across the United States.
- Company typePrivate
- Founded1956
- HeadquartersOklahoma City, United States
- Headcount5,001–10,000
- GTM typeB2C
- OfferingServices
What Reserve National Insurance does
Reserve National Insurance Company is a licensed insurance carrier that underwrites supplemental health and accident insurance products distributed under the MedMutual Protect brand, a platform of Medical Mutual of Ohio, its parent. Its product portfolio centers on Medicare Supplement Insurance and a broader suite of fixed-indemnity and supplemental coverages, including Hospital Indemnity Plus, Accident, Specified Disease, Accidental Death and Dismemberment, Cancer First Occurrence, Hospital Confinement, Dental, Supplemental Dental and Vision, Home Health Care, and the SimpliCare telehealth and prescription-savings membership. Reserve National co-underwrites the MedMutual Protect Medicare Supplement plans alongside MedMutual Life Insurance Company and United Insurance Company of America, with ACA plans brokered through Summerset Marketing Company.
The carrier serves five defined customer segments: seniors aged 65 and over navigating Medicare and supplemental coverage, individuals and families seeking supplemental health protection, small businesses procuring group health benefits through the EmployeeBridge HR Solutions program, individuals who have lost employer coverage due to termination or layoff, and young adults aging off parental plans at age 26. The company's value proposition is gap-fill coverage that reduces out-of-pocket financial exposure from healthcare events not fully reimbursed by Medicare or primary insurance, supported by an AM Best A- (Excellent) financial strength rating effective July 10, 2025.
Reserve National distributes through a hybrid channel: an appointed-producer agent network with a public Find-an-Agent locator, self-service online quote requests, a Medicare Supplement self-service portal, and direct small-business sales via the EmployeeBridge program. Revenue is generated by recurring insurance premiums billed monthly, and the company is privately held with no public ticker, SEC filings, or external equity ownership evidenced. Its technology stack is described as standard insurance underwriting and claims processing infrastructure with no proprietary features disclosed. The company maintains a single U.S. headquarters in Oklahoma City, Oklahoma, and operates exclusively in the domestic market.
Reserve National Insurance firmographics
Firmographics- Name
- Reserve National Insurance
- Legal name
- Reserve National Insurance Company
- Website
- https://reservenational.com
- Company type
- Private
- Founded year
- 1956
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Short description
- Reserve National Insurance Company, a subsidiary of Medical Mutual of Ohio, underwrites Medicare Supplement and supplemental health insurance products under the MedMutual Protect brand, serving seniors, individuals, families, and small businesses across the United States.
- Ownership category
- akta.pro rank
Reserve National Insurance industry classification
Industry- Product category
- Supplemental Health Insurance
- NAICS
- Direct Health and Medical Insurance Carriers (524114)
- SIC
- Accident & Health Insurance (6321)
- akta.pro primary industry
- Medicare Supplement (Medigap) (FSAIAEAG)
- akta.pro secondary industries
- Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD), Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)
Keywords
Where Reserve National Insurance is headquartered
LocationHeadquarters
- HQ city
- Oklahoma City
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Reserve National Insurance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Insurance Premiums: Collection of recurring insurance premiums from policyholders for health and accident coverage including Medicare Supplement, hospital indemnity, accident, specified disease, dental, and vision insurance products.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Medicare Supplement Insurance |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels4 records
Reserve National Insurance product offering
Product offeringCore offering
Reserve National Insurance Company underwrites supplemental health and accident insurance products under the MedMutual Protect brand. Its portfolio includes Medicare Supplement Insurance, hospital indemnity, accident, specified disease, cancer first occurrence, accidental death and dismemberment, dental, vision, and home health care policies designed to fill coverage gaps left by primary health insurance. The company also offers SimpliCare, a telehealth and prescription savings benefit, alongside small business HR solutions through EmployeeBridge.
Product overview
Reserve National Insurance Company is an insurance underwriter that provides supplemental insurance products through the MedMutual Protect distribution platform. The company's product portfolio consists primarily of Medicare Supplement Insurance and other supplemental health insurance coverage. Under the MedMutual Protect brand, Reserve National Insurance offers a comprehensive suite of supplemental insurance products including Hospital Indemnity Plus, Accident Policy, Specified Disease Policy, Accidental Death and Dismemberment, Cancer First Occurrence, Hospital Confinement Indemnity Policy, Dental Insurance, Supplemental Dental and Vision, Home Health Care Indemnity Policy, and SimpliCare telehealth services. These products are designed to fill gaps in traditional health insurance coverage and provide financial protection against unexpected medical events.
Differentiator
Problem solved
Functional benefit
Products and services
- Medicare Supplement Insurance
- Hospital Indemnity Plus Provides coverage for hospital confinement, surgery benefits, and outpatient procedures with no deductibles. Policyholders choose the benefit plan that best meets their needs.
- Accident Policy Coverage in the event of an accidental injury or death. Policy can be tailored by choosing a deductible amount to fit the policyholder's budget.
- Specified Disease Policy Coverage for expenses associated with hospitalization, surgery, and other treatment of serious diseases. Deductible is paid only once in a lifetime for each covered disease while the policy is in force.
- Accidental Death and Dismemberment Coverage in the event of accidental death or dismemberment, providing financial protection during stressful accident situations.
- Cancer First Occurrence Policy pays a lump sum benefit upon first diagnosis of cancer. Two benefit levels available to provide financial protection when needed most.
- Hospital Confinement Indemnity Policy Provides coverage for potential financial consequences of hospital stays or surgery. Policyholders choose between $3,000 or $4,000 in surgery benefits, with $100 per day hospital stay coverage.
- Dental Insurance Covers preventative, basic, and major dental services. Two out-of-pocket level options available to give policyholders control over their budget.
- Supplemental Dental and Vision Expense Policy Coverage that makes dental and vision care accessible, from routine cleanings and eye exams to comprehensive dental procedures.
- Home Health Care Indemnity Policy Provides benefits for home health care services, aide services, physical therapy, speech therapy, and more. Optional benefits cover prescription drugs, eye exams, private duty nursing, and routine physical exams.
- SimpliCare Members receive phone or video access to doctors, savings on prescriptions, and additional health-related benefits.
- HR Solutions (EmployeeBridge) HR Solutions through the EmployeeBridge program providing small business employee benefits support.
Companies that use Reserve National Insurance
Customer profileSegments5 records
Ideal customer profiles3 records
Reserve National Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Reserve National Insurance partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- Medical Mutual of OhiocoreReserve National Insurance Company is a subsidiary insurance company controlled by Medical Mutual of Ohio. Medical Mutual of Ohio is the parent company that provides brand identity and operational infrastructure for MedMutual Protect products.
- United Insurance Company of AmericacoreCo-underwriter of Medicare Supplement Plans alongside Reserve National Insurance Company and MedMutual Life Insurance Company under the MedMutual Protect brand. United Insurance Company of America is not financially affiliated with Medical Mutual of Ohio.
- MedMutual Life Insurance CompanycoreCo-underwriter of Medicare Supplement Plans alongside Reserve National Insurance Company and United Insurance Company of America under the MedMutual Protect brand.
- Summerset Marketing CompanyminorBroker for ACA (Affordable Care Act) plans offered through MedMutual Protect. ACA plans are brokered through Summerset Marketing Company as noted in website disclosure.
Scale indicators1 record
Recent moves6 records
Expansion highlights4 records
Reserve National Insurance competitors and assessment
Company assessmentDirect peers
- Aflac: Industry leader in supplemental insurance including accident, cancer/specified disease, hospital indemnity, and short-term disability products sold through worksite and agent channels — overlapping directly with Reserve National's supplemental portfolio and target customer segments.
- Mutual of Omaha: A major direct competitor in the Medicare Supplement (Medigap) market with a broad portfolio of supplemental health, accident, and cancer insurance products distributed through independent agents — directly comparable to Reserve National's product mix and agent-led GTM.
- Globe Life: Supplemental life and health insurance carrier offering accident, cancer, hospital indemnity, and Medicare Supplement products through direct-to-consumer and agent channels — comparable in size and product mix to Reserve National's supplemental portfolio.
- ManhattanLife: Supplemental health insurance carrier specializing in Medicare Supplement, accident, cancer, hospital indemnity, and dental products distributed through independent agents — a close comparable in product scope and agent-led distribution to Reserve National.
Broad incumbents
- Cigna (Supplemental Health): Large national insurance carrier offering Medicare Supplement, accident, critical illness, and hospital indemnity products as part of a broader health and benefits portfolio — competing with Reserve National on Medigap and supplemental lines while also offering major medical.
- Aetna (CVS Health): Major Medicare Supplement provider and broader health insurer offering Medigap, dental, vision, and supplemental products — competes directly with Reserve National in the Medicare Supplement market while leveraging CVS Health distribution scale.
- Humana: One of the largest Medicare Supplement and Medicare Advantage carriers in the US, also offering dental, vision, and supplemental products — directly competes with Reserve National's Medigap core while offering far broader portfolio depth.
- UnitedHealthcare: Largest US health insurer with significant Medicare Supplement market share, offering AARP-branded Medigap plans plus supplemental and ancillary products — competes directly with Reserve National on Medigap with massive distribution and brand advantages.
- Blue Cross Blue Shield (various state plans): Federation of state-level health insurers offering Medicare Supplement, dental, and supplemental products through broad provider and agent networks — competes with Reserve National on Medigap and supplemental coverage with strong local brand recognition.
- Allstate Health Solutions: Broader insurance company offering Medicare Supplement, accident, critical illness, and supplemental health products through agent and direct channels — competes in the same product categories as Reserve National with greater brand recognition.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Reserve National Insurance social profiles
Digital presenceReserve National Insurance compliance and trust
Trust signalCompliance1 record
Reserve National Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Reserve National Insurance leadership team
Management profileNumber of profiles
Reserve National Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Reserve National Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Reserve National Insurance
What does Reserve National Insurance do?
Reserve National Insurance Company underwrites supplemental health and accident insurance products under the MedMutual Protect brand. Its portfolio includes Medicare Supplement Insurance, hospital indemnity, accident, specified disease, cancer first occurrence, accidental death and dismemberment, dental, vision, and home health care policies designed to fill coverage gaps left by primary health insurance. The company also offers SimpliCare, a telehealth and prescription savings benefit, alongside small business HR solutions through EmployeeBridge.
Is Reserve National Insurance a public or private company?
Reserve National Insurance is a private company. It is classified as corporate owned and is currently operating.
When was Reserve National Insurance founded?
Reserve National Insurance was founded in 1956. It employs 5,001 to 10,000 people.
Where is Reserve National Insurance based?
Reserve National Insurance is headquartered in Oklahoma City, United States, in the North America region.
How does Reserve National Insurance make money?
One revenue line is on record: insurance Premiums.
Who are Reserve National Insurance's main competitors?
Direct peers on record are Aflac, Mutual of Omaha, Globe Life and ManhattanLife. Broad incumbents are Cigna (Supplemental Health), Aetna (CVS Health), Humana, UnitedHealthcare, Blue Cross Blue Shield (various state plans) and Allstate Health Solutions.
Does Reserve National Insurance have an API?
No public API is recorded for Reserve National Insurance.
What industry is Reserve National Insurance in?
Reserve National Insurance's product category is Supplemental Health Insurance. Its primary akta.pro industry code is FSAIAEAG, Medicare Supplement (Medigap), with a secondary code of FSAIAEAD, Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident). Its NAICS code is 524114 and its SIC code is 6321.