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https://aptia365.com/horacemann 6 Copyright 2024 Aptia Insurance Services Group, LLC. All rights reserved.Medical coverage offers valuable benefits to help you stay healthy and pay for care if you or your covered family members become sick or injured. Which Medical Plan is Right for You?When you go online, you will have two options to navigate through the portal and choose your benefits: %u2022 Choose Expert Guidance: Get a personalized package built for you that you can further customize. Once all your benefits are selected, you will need to %u201cconfirm package%u201d to complete your enrollment. %u2022 Enroll by individual benefit: You will have an experience similar to shopping online, navigating through different categories and adding benefits to your shopping cart. Just click %u201ccheck out%u201d when you are finished!As you prepare, think about:%u2022 How much healthcare and what type of care did you need this year?%u2022 Do you expect your needs to be similar next year?%u2022 Do you prefer to pay less from your paycheck or less out of your pocket when you need care?Have You Considered a High Deductible Health Plan?High deductible health plans have lower premiums and may result in lower annual medical costs. These plans offer several advantages to reward you for taking an active role in your healthcare spending.%u2022 Lower paycheck costs: Allows you to keep control over more of your money.%u2022 Comparable benefits: In-network preventive care is still 100% covered.How the Health Savings Account works with a High Deductible Plan%u2022 Tax-advantaged savings account: Enrolling in a Health Savings Account (HSA) helps you pay your deductible and out-of-pocket costs.%u2022 Horace Mann will contribute to your HSA: Helping you with your out-of-pocket costs. Contributions to the Health Savings Account can cover your deductible and coinsuranceYou and the plan share a percentage of the cost of services until you meet the out-of-pocket maximumOnce you reach this, the plan pays 100% of in-network costsYou pay 100% and once you meet the deductible, coinsurance kicks inTypically, your medical plan pays 100%Preventative Care Deductible Coinsurance Out-of-Pocket MaximumMedical and Prescription Drug Coverage