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www.aptia365.com/horacemann 28 Copyright 2024 Aptia Insurance Services Group, LLC. All rights reserved.You should know that if you waive or leave coverage with Horace Mann and you go 63 days or longer without creditable prescription drug coverage (once your applicable Medicare enrollment period ends), your monthly Part D premium will go up at least 1% per month for every month that you did not have creditable coverage. For example, if you go 19 months without coverage, your Medicare prescription drug plan premium will always be at least 19% higher than what most other people pay. You%u2019ll have to pay this higher premium as long as you have Medicare prescription drug coverage. In addition, you may have to wait until the following October to enroll in Part D.You may receive this notice at other times in the future %u2014 such as before the next period you can enroll in Medicare prescription drug coverage, if this Horace Mann coverage changes, or upon your request.FOR MORE INFORMATION ABOUT YOUR OPTIONS UNDER MEDICARE PRESCRIPTION DRUG COVERAGEMore detailed information about Medicare plans that offer prescription drug coverage is in the Medicare & You handbook. Medicare participants will get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare prescription drug plans. Here%u2019s how to get more information about Medicare prescription drug plans:%u2022 Visit www.medicare.gov for personalized help.%u2022 Call your State Health Insurance Assistance Program (see a copy of the Medicare & You handbook for the telephone number) or visit the program online at https://www.shiptacenter.org.%u2022 Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048.For people with limited income and resources, extra help paying for a Medicare prescription drug plan is available. Information about this extra help is available from the Social Security Administration (SSA). For more information about this extra help, visit SSA online at www.socialsecurity.gov or call 1-800-772-1213 (TTY 1-800-325-0778).Remember: Keep this notice. If you enroll in a Medicare prescription drug plan after your applicable Medicare enrollment period ends, you may need to provide a copy of this notice when you join a Part D plan to show that you are not required to pay a higher Part D premium amount.For more information about this notice or your prescription drug coverage, contact:Jean Winn1 Horace Mann PlazaSpringfield, IL 62715217-788-5108jean.winn@horacemann.com