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https://aptia365.com/horacemann 18 Copyright 2024 Aptia Insurance Services Group, LLC. All rights reserved.Once you enroll in a medical plan, you are eligible to elect Aptia365 HUB. With Aptia365 HUB, you will get personalized support that can help you improve the quality and cost of care, 365 days a year.Aptia365 HUB Advantages Include:%u2022 Support for claims and billing issues, test results and treatmentsA Personal Health Advocate (PHA) will guide you and your family through medical-related questions or concerns. PHAs can assist with finding a provider or facility and provide unbiased support throughout all phases of medical care. They are also available to help clarify and resolve medical claims and related paperwork issues.%u2022 Access to negotiation experts to help lower medical billsAnytime you have a medical bill that is over $400 not covered by insurance, a skilled negotiation team will work with your providers to get a discount. Successful negotiations can save hundreds of dollars.%u2022 Help finding doctors who provide high-quality care for your needsWith Aptia365 HUB, you can review the quality scores of doctors in your area. In%u2010network physicians are ranked by data%u2010driven quality scores for easy selection. You are more likely to get the care you need to recover faster and save money.%u2022 The best price for your healthcare servicesThe cost of healthcare can vary widely, even within the same area. It is important to know how much a service can cost in advance and to compare costs.%u2022 An expert second opinion for peace of mindNever hesitate to get another opinion, especially if it%u2019s for a serious condition. Aptia365 HUB gives you and your family access to world-class specialists that will review your case and give you an expert opinion on your diagnosis and treatment plan.All this and more! Sign up for the Aptia365 HUB to find out what other valuable assistance is just a phone call or a click away! If you choose not to take advantage of the benefits of Aptia365 HUB, you will still have the ability to connect with a Personal Health Advocate to guide you and your family through medical-related questions or concerns.Health Advocacy Aptia365 HUB