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https://aptia365.com/horacemann 7 Copyright 2024 Aptia Insurance Services Group, LLC. All rights reserved.Using In-Network ProvidersYou%u2019ll save money when receiving care from an in-network provider. To access a list of in-network providers, click on the link provided on the Aptia365 enrollment site. Using an out-of-network provider could result in a higher out-of-pocket cost.Helpful Information about Deductibles and Out-Of-Pocket MaximumsWhen electing coverage for any family members in addition to yourself, deductibles and out-of-pocket maximums are applied differently for different plans.Plan Deductible Out-of-Pocket Maximum$2,000 Deductible PlanThe entire Family Deductible must be met before benefits begin to pay out for any family memberThe entire Family Out-of-Pocket Maximum must be met before the plan pays in full for any family memberAll Other PlansOnce one family member meets the Individual Deductible, benefits begin to be paid for that individualOnce one family member meets the Individual Out-of-Pocket Maximum, the plan pays covered benefits in full for that individualPrescription Drug Coverage%u2022 Your prescription drug coverage depends on the medical plan you choose. Medications are grouped into tiers, which determine your portion of the drug cost. %u2022 High deductible health plan members pay 100% of the prescription drug costs until the annual deductible is met.%u2022 The applicable coinsurance per prescription applies after the annual deductible has been met.You Pay What%u2019s Covered*Lowest Cost SharingMost Generic Prescription DrugsGeneric drugs that are equivalent to a brand product in dosage form, strength, quality and intended use.Second-Lowest Cost SharingPreferred Brand Name DrugsDrugs sold under specific trade names that are favorably priced by the pharmacy plan.Highest Cost Sharing Non-Preferred Brand Name DrugsDrugs sold under specific trade names that have a more cost-effective alternative.*Some plans have additional prescription tiers. See plan documents for details.Medical and Prescription Drug Coverage