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Benefits Health Options Program

Unlock the Full Potential of Your Health Options Program Benefits 

The Health Options Program offers a range of resources to support your health and well-being. The HOP Administration Unit, customer service teams, program advocates, and case managers are all specially trained to assist you with your benefits. If you’re unsure where to begin, simply call 1-800-PSERS25 (1-800-773-7725). Here are some ways the Health Options Program can help you:

Facing a serious health condition or hospital admission? 

Reach out to the Luminare Health Care Management team at 1-800-480-6658. They may also contact you if you have a hospital stay or require skilled nursing care.

Looking to enhance your well-being? 

The Elder Care program can connect you with resources, such as local transportation options, answers to utility questions, prescription drug delivery services, discount programs, and nutritional support. For assistance, call 1-866-794-0685 and ask to speak with an advocate.

Want to stay active?  Try SilverSneakers for fitness and social connections. If you’re enrolled in the HOP Medical Plan or HOP Pre-65 Medical Plan, you have access to SilverSneakers instructors who lead specially designed group exercise classes. SilverSneakers also provides access to gyms for classes and fitness, as well as SilverSneakers FLEX®, SilverSneakers LIVE, SilverSneakers On-Demand™, and a mobile app for staying active outside of traditional gyms.

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Awareness Benefits Health Options Program

Important Changes to Your Benefits in 2025

As we step into the new year, we want to remind you about the 2025 changes to your Health Options Program benefits.

Medical Plans

The HOP Medical Plan has a new $50 annual deductible before the plan will pay benefits.

The Value Medical Plan deductible increased to $257 for 2025 (from $240 in 2024).

If you enrolled in a Medicare Advantage plan for 2025, review your specific plan information for details on plan changes.

Medicare Prescription Drug Options

The Enhanced, Basic, and Value Medicare Rx Options were replaced by two new options:

  • Medicare Plus Rx Option. This plan offers a broader list of drugs and a bonus list of medications not covered by Medicare or the Standard Rx Option. The 2025 annual deductible (which excludes generic medications) is $200.
  • Medicare Standard Rx Option. This plan is designed for retirees who prefer a lower monthly premium and are willing to pay a higher annual prescription drug deductible and cost share. The 2025 annual deductible (which excludes generic medications) is $590.

For both options, member out-of-pocket expenses for prescription drugs are capped at $2,000 per year.

MetLife Dental and EyeMed Vision Option 

There are no changes in the benefits coverage for 2025. If you have any questions or need further assistance, please reach out to the HOP Administration Unit. Here’s to a healthy and happy 2025!

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Awareness Benefits Health Options Program

Don’t Go It Alone

Caring for a loved one can be stressful. That’s why we put together a list of resources HOP offers that can help support you while you support your loved one who’s covered by HOP. You can find details about these programs on our Caregiver Resources page.

Questions? You can always reach out to The HOP Administration Unit at 1-800-PSERS25 (1-800-773-7725); 8 a.m. to 8 p.m. ET, Monday–Friday. They can connect caregivers to the right resource. If you’re family member is facing a hospital or skilled nursing facility stay, call the Health Care Management team right away at 1-800-480-6658.

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Awareness Medicare Medicare Advantage Medicare Supplement

Medicare Part—What Did You Say?

We get it. Medicare is confusing! Even the experts get tripped up from time to time on the different parts of the program and what they cover.

That’s why we put together Medicare 101—a primer on the federal health insurance for folks age 65 and older (or younger, if you have a disability). As Medicare coverage gets more complicated, we aim to make it easier to understand.

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Health Options Program Option Selection Period OSP

Return Your Option Selection Period Survey Card!

Each year we include a survey in the Option Selection Period materials. We ask that members fill out this survey and drop it in the mail. We review all the surveys and use them to determine how the Health Options Program is meeting the needs of our members and whether we need to make any changes to improve our service to you.

If you have not returned your survey card, please do so as soon as possible. In 2024, we received over 5,400 responses! Your voice matters; let us know what you think.

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Uncategorized

2025 Plan Materials

If you’ve misplaced any of the 2025 plan materials that you received in the mail, you can get another copy online. Here’s how:

  • Sign in to the HOPbenefits.com Member Area page. If you are a registered user, you can view your Personalized Statement online. This statement provides an overview of your current (2024) coverage and your 2025 options and premiums based on where you live.

If you have any questions about the coverage options available to you, call the HOP Administration Unit at 1-800-773-7725.

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Annual Enrollment Option Selection Period OSP

Attention Health Options Program Members: Mark Your Calendar for Option Selection Period

The Option Selection Period—the time when individuals currently enrolled in the Health Options Program can make changes to their coverage for 2025—runs through November 15. If you’re a current enrollee, this is a great time to evaluate your options and decide whether you want to make any changes to your Health Options Program coverage for 2025.

Watch your mail for more information. You’ll receive your Option Selection Period materials, explaining what’s new for 2025 and the coverage options available in your area.

If you’re currently enrolled in the Enhanced, Basic, or Value Medicare Rx Option, review your statement carefully. These Options are not available in 2025. The new Medicare prescription drug plans for 2025 are the Medicare Plus Rx Option or the Medicare Standard Rx Option. You can change to one of the options listed in your statement. If you do nothing, you’ll have the coverage and pay the premiums shown on the first page of your person

Unless you notify us otherwise during the Option Selection Period, your current coverage will continue in 2025.

Don’t delay! The Option Selection Period ends November 15, 2024, so be sure to review all the information and submit necessary forms before then. If you have any questions about the coverage options available to you, call the HOP Administration Unit at 1-800-773-7725.

Note: These mailings are exclusively for members currently enrolled in the Health Options Program. If you are not enrolled in health coverage under the Health Options Program, you will not receive the materials described above. If you are not enrolled in the Health Options Program, you may enroll if you experience a Qualifying Event (i.e., turning 65 or losing employer-sponsored coverage).

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Awareness Benefits Health Options Program Materials PSERS

Step Right Up (to Your Computer) for the Health Options Program Virtual Benefits Fair!

Interested in learning more about the Health Options Program? No need to travel, just visit our virtual benefits fair at discoverhopbenefits.com.

You can learn about the available Health Options Program plans, including Medicare Supplement plans, Medicare Advantage plans, and Pre-65 plans. You’ll find lots of information from our Health Options Program partners, such as Highmark, Aetna, and Independence Blue Cross. You’ll also get an overview of all the great health benefits available to you as a PSERS retiree.

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Benefits

Benefit Info on the Go

Our vendors offer apps for your smartphone (or tablet, in some cases), so no matter where your travels take you, you’ll have easy access to all your benefits information. Visit the App Store or Google Play, and search for the app you want.

  • Optum Rx: View all your medications in one place, check the status of your orders, manage auto-refill of your prescriptions, and access your ID card.
  • MetLife US App: Access coverage details and claims, find a dentist, read reviews, and book an appointment. Get personalized estimates for dental procedures, and access your ID card.
  • EyeMed: Check your benefits, find an eye doctor, and view claims.
  • SilverSneakers GO: Get fit, stay active, and develop healthy exercise habits with this app. Use the fitness location and class finder to access virtual and in-person classes; select from 200+ SilverSneakers on-demand fitness and wellness videos.
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Health Options Program Office Hours PSERS

Sign Up Now for Your Fall 2024 Individual Phone Consultation

You can schedule a 30-minute individual telephone consultation (not a group meeting) with a representative of the Health Options Program by following the steps below:

  • Call the HOP Administration Unit at 1-800-773-7725.
  • Let the representative know you want to schedule an individual telephone consultation.
  • After you make your appointment, you’ll receive a confirmation email with the date and time.
  • As it gets closer to your appointment, you’ll receive a reminder email.

Not registered? Sign up today for personalized information.