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https://aptia365.com/horacemann 9 Copyright 2024 Aptia Insurance Services Group, LLC. All rights reserved.Tobacco IncentiveTo encourage a healthier lifestyle, if you and/or any of your covered dependents don%u2019t use tobacco, your medical contribution will reflect a rate that is $100 per month less than the rate for a tobacco user. However, if you and/or your dependents agree to participate in a tobacco cessation program, you will qualify to receive the same rates as a non-tobacco user. Please contact Horace Mann for more information, including any reasonable alternative standard that accommodates the recommendation of our personal physician. Medical and Prescription Drug Coverage