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https://aptia365.com/horacemann 11 Copyright 2024 Aptia Insurance Services Group, LLC. All rights reserved.Need More Coverage?Consider combining your medical coverage with Supplemental Health Insurance. These plans are a great complement to your medical plan and can help reduce the financial risk associated with illness and injury. You may want additional coverage that pays benefits directly to you to help cover deductibles and out-of-pocket expenses.Depending on your situation, you may be able to save money by purchasing a lower cost medical plan and adding one or more supplemental plans to achieve effective protection at a lower plan cost. Refer to the Supplemental Health section for more information.CriticalillnessAccidentHospitalIndemnityIMPORTANT: This is a fixed indemnity policy, NOT health insuranceThis fixed indemnity policy may pay you a limited dollar amount if you%u2019re sick or hospitalized. You%u2019re still responsible for paying the cost of your care.%u2022 The payment you get isn%u2019t based on the size of your medical bill.%u2022 There might be a limit on how much this policy will pay each year.%u2022 This policy is not a substitute for comprehensive health insurance.%u2022 Since this policy isn%u2019t health insurance, it doesn%u2019t have to include most federal consumer protections that apply to health insurance.Looking for comprehensive health insurance?%u2022 Visit HealthCare.gov or call 800-318-2596 (TTY: 855-889-4325) to find health coverage options.%u2022 To find out if you can get health insurance through your job, or a family member%u2019s job, contact the employer.Questions about this policy?%u2022 For questions or complaints about this policy, contact your state Department of Insurance. Find their number on the National Association of Insurance Commissioners%u2019 website (naic.org) under %u201cInsurance Departments.%u201dIf you have this policy through your job, or a family member%u2019s job, contact the employer.Additional Medical Benefits