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https://aptia365.com/horacemann 27 Copyright 2024 Aptia Insurance Services Group, LLC. All rights reserved.HORACE MANN RESERVES THE RIGHT TO CHANGE, AMEND OR TERMINATE ANY BENEFITS PLAN AT ANY TIME FOR ANY REASON. PARTICIPATION IN A BENEFITS PLAN IS NOT A PROMISE OR GUARANTEE OF FUTURE EMPLOYMENT. RECEIPT OF BENEFITS DOCUMENTS DOES NOT CONSTITUTE ELIGIBILITY.The Benefits Decision Guide, combined with these legal notices, provides an overview of the benefits available to eligible employees and their dependents. In all cases, the official plan documents govern and this Benefits Decision Guide is not, and should not be relied upon as a governing document. In the event of a discrepancy between the information presented in the Benefits Decision Guide and official plan documents, the official plan documents will govern.STATEMENT OF MATERIAL MODIFICATIONSThis enrollment guide constitutes a Summary of Material Modifications (SMM) or Summary of Material Reductions (SMR), as applicable, to the Horace Mann Service Corporation Health and Welfare summary plan description (SPD). It is meant to supplement and/or replace certain information in the SPD, so retain it for future reference along with your SPD. Please share these materials with your covered family members.SUMMARY OF BENEFITS COVERAGEA Summary of Benefits Coverage (SBC) for each of the employer-sponsored medical plans is available at https://aptia365.com/horacemann. You may also request a paper copy by calling Aptia365.TAXATION OF BENEFITSThe taxation of certain benefits may vary at the local, state and federal level. You should consult your tax advisor if you have any questions about the proper treatment of any benefits.IMPORTANT NOTICE FROM HORACE MANN ABOUT CREDITABLE PRESCRIPTION DRUG COVERAGE AND MEDICAREThe purpose of this notice is to advise you that the prescription drug coverage listed below under the Horace Mann medical plans is expected to pay out, on average, at least as much as the standard Medicare prescription drug coverage will pay in 2025. This is known as %u201ccreditable coverage.%u201dWhy this is important: If you or your covered dependent(s) are enrolled in any prescription drug coverage during 2025 listed in this notice and are or become covered by Medicare, you may decide to enroll in a Medicare prescription drug plan later and not be subject to a late enrollment penalty %u2014 as long as you had creditable coverage within 63 days of your Medicare prescription drug plan enrollment. You should keep this notice with your important records.If you or your family members aren%u2019t currently covered by Medicare and won%u2019t become covered by Medicare in the next 12 months, this notice doesn%u2019t apply to you.Please read the notice below carefully. It has information about prescription drug coverage with Horace Mann and prescription drug coverage available for people with Medicare. It also tells you where to find more information to help you make decisions about your prescription drug coverage.NOTICE OF CREDITABLE COVERAGEYou may have heard about Medicare%u2019s prescription drug coverage (called Part D), and wondered how it would affect you. Prescription drug coverage is available to everyone with Medicare through Medicare prescription drug plans. All Medicare prescription drug plans provide at least a standard level of coverage set by Medicare. Some plans also offer more coverage for a higher monthly premium.Individuals can enroll in a Medicare prescription drug plan when they first become eligible, and each year from October 15 through December 7. Individuals leaving employer/union coverage may be eligible for a Medicare Special Enrollment Period.If you are covered by one of the Horace Mann prescription drug plans listed below, you%u2019ll be interested to know that the prescription drug coverage under the plan is, on average, at least as good as standard Medicare prescription drug coverage for 2025. This is called creditable coverage. Coverage under one of these plans will help you avoid a late Part D enrollment penalty if you are or become eligible for Medicare and later decide to enroll in a Medicare prescription drug plan.%u2022 Blue Cross Blue Shield of IL $2,000 Deductible Plan%u2022 Blue Cross Blue Shield of IL $3,300 Deductible Plan%u2022 Blue Cross Blue Shield of IL $4,500 Deductible Plan%u2022 Quartz HMO PlanIf you decide to enroll in a Medicare prescription drug plan and you are an active employee or family member of an active employee, you may also continue your employer coverage. In this case, the Horace Mann plan will continue to pay primary or secondary as it had before you enrolled in a Medicare prescription drug plan. If you waive or drop Horace Mann coverage, Medicare will be your only payer. You can re-enroll in the employer plan at annual enrollment or if you have a special enrollment event for the Horace Mann plan, assuming you remain eligible.Legal Notices