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https://aptia365.com/horacemann 3 Copyright 2024 Aptia Insurance Services Group, LLC. All rights reserved.Your EnrollmentHow to Enroll ................................................................4What%u2019s New for 2025....................................................5Health BenefitsMedical and Prescription Drug Coverage...................6Additional Medical Benefits ......................................10Spending and Savings Accounts ..............................13Supplemental Health Coverage.................................16Aptia365 HUB.............................................................17Dental Insurance ........................................................18Vision Insurance.........................................................19Financial ProtectionLife and Accidental Death and Dismemberment (AD&D) Insurance.......................................................20Disability Insurance....................................................21More Benefit OptionsIdentity Theft Protection............................................22Legal Plan...................................................................22Commuter Benefits....................................................22Pet Insurance .............................................................23Online Discount Mall..................................................23Important InformationContact Information...................................................24Key Words to Know....................................................25Legal Notices .............................................................26This Benefits Decision Guide provides an overview of the benefits available to eligible employees and their dependents. It should not be relied on as a binding legal document. In the event of any discrepancy, the official plan documents will govern in all cases.Questions?Aptia365 is ready to help you understand your options and make the right choices for your needs and budget.Benefit counselors available:Monday %u2013 Friday, 7 am %u2013 9 pm & Saturday, 10 am %u2013 2 pm ET Phone: 855-408-4388 https://aptia365.com/horacemannVirtual assistance is available 24/7 or chat with a live Benefits Counselor Monday %u2013 Friday, 7 am %u2013 9 pm ET ChatWhat%u2019s Inside
