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https://aptia365.com/horacemann 3 Copyright 2024 Aptia Insurance Services Group, LLC. All rights reserved.Your EnrollmentHow to Enroll ................................................................4What%u2019s New for 2025....................................................5Health BenefitsMedical and Prescription Drug Coverage...................6Additional Medical Benefits ......................................11Spending and Savings Accounts ..............................14Supplemental Health Coverage.................................17Aptia365 HUB.............................................................18Dental Insurance ........................................................19Vision Insurance.........................................................20Financial ProtectionLife and Accidental Death and Dismemberment (AD&D) Insurance.......................................................21Disability Insurance....................................................22More Benefit OptionsIdentity Theft Protection............................................23Legal Plan...................................................................23Commuter Benefits....................................................23Pet Insurance .............................................................24Online Discount Mall..................................................24Important InformationContact Information...................................................25Key Words to Know....................................................26Legal Notices .............................................................27This Benefits Decision Guide provides an overview of the benefits available to eligible employees and their dependents. It should not be relied on as a binding legal document. In the event of any discrepancy, the official plan documents will govern in all cases.Questions?Aptia365 is ready to help you understand your options and make the right choices for your needs and budget.Benefit counselors available:Monday %u2013 Friday, 7 am %u2013 9 pm & Saturday, 10 am %u2013 2 pm ET Phone: 855-408-4388 https://aptia365.com/horacemannVirtual assistance is available 24/7 or chat with a live Benefits Counselor Monday %u2013 Friday, 7 am %u2013 9 pm ET ChatWhat%u2019s Inside
