Supplements to Medicare
Medicare Supplement Plans
If you keep Original Medicare, you can supplement it by enrolling in a Medicare Supplement plan. The Medicare Supplement plans available under the Health Options Program are the HOP Medical Plan and the Value Medical Plan.
With both Medicare Supplement plans, you can enroll in medical-only coverage or add on prescription drug coverage with a Medicare Rx Option (see below).
Medicare Supplement plans
Watch this video on the Medicare Supplement plans to learn about the medical coverage available to you through the Health Options Program that supplements Original Medicare.
Find a plan
Use this decision guide to explore coverage options.
Comparable coverage for your spouse
If you and your spouse are both PSERS retirees, you may individually enroll in any option. If your spouse is NOT a PSERS retiree and is Medicare-eligible, he or she must enroll in the same plan that you enroll in. If your spouse is not eligible for Medicare, he or she must enroll in the same type of plan that you enroll in (the HOP Pre-65 Medical Plan if you enroll in the HOP or Value Medical Plan, or a managed care plan offered by the same insurance company if you enroll in a Medicare Advantage plan).
For your consideration: If your spouse will have a Qualifying Event in the next year and is also considering enrolling, but not at the same time you will enroll, you may want to consider electing an option now that is good for both of you. Otherwise, your next opportunity to change options will be next fall during the Option Selection Period.
Grab and go: Virtual learning center
Medicare Rx Options
If you select a Medicare Supplement plan, you can enroll in one of the two Medicare Rx Options: Plus or Standard. You can also enroll in these options on a stand-alone basis if you don’t want medical coverage.
Medicare Rx options
Watch this video on the Medicare Rx Options to learn about the prescription drug coverage available to you with a Medicare Supplement plan or as stand-alone coverage.
Find a drug
You can search for drugs by name, tier, or therapeutic class.
Medicare Plus Rx Options
Medicare Standard Rx Option
Find a pharmacy
Use the applicable online tool to search for participating pharmacies near you by street address, city and state or by ZIP code. The pharmacy lookup tool is from OptumRx, the administrator of the Health Options Program’s prescription drug plans. These tools also provide general pricing information.
Health Options Program Star Rating
Each year, Medicare evaluates prescription drug plans and awards a star rating to each plan based on performance. The Health Options Program’s prescription drug plans received a 4.5-star rating for 2025, indicating that the program is highly rated in comparison to other prescription drug plans nationwide.
Dental and Vision Option
Protecting your smile and your eyesight is important to your overall health. That’s why the Health Options Program offers a comprehensive dental and vision option for members enrolled in the HOP Medical Plan or the Value Medical Plan. Dental and vision coverage is not available on a stand-alone basis or with a Medicare Advantage plan.
MetLife
Watch the 2025 dental plan presentation from MetLife to learn about the dental coverage available through the MetLife Dental and EyeMed Vision Option.
Find a dentist
Visit the MetLife website to find a participating dentist near you. Scroll to the middle of the page, and, under MetLife Dental Plan, enter your ZIP code. Then, select Find. You can filter the results by specialty, distance, gender, and language.
Review dental coverage
Review the Comparison Chart for details on what you’ll pay for in-network and out-of-network dental care. Also review the “Covered Services and Limitations” section on page 4 of the MetLife Dental and EyeMed Vision Option brochure.
EyeMed
Watch the 2025 vision plan presentation from EyeMed to learn about the vision coverage available through the MetLife Dental and EyeMed Vision Option.
Grab and go: Virtual learning center
Find a vision provider
EyeMed’s Enhanced Provider Search has more than 100,000 Insight network providers nationwide. You can filter your search to find ones near you that have the frame brands, hours, and services you want most.
Review vision coverage
Review the Comparison Chart for details on what you’ll pay for in-network and out-of-network vision care. Also review the “Additional Covered Services, Discounts, and Limitations” section on page 8 of the MetLife Dental and EyeMed Vision Option brochure.
SilverSneakers
The SilverSneakers® fitness program from Tivity Health, Inc. gives members enrolled in the HOP Medical Plan or the HOP Pre-65 Medical Plan access to a fitness program at no additional cost.
SilverSneakers
Watch the 2025 presentation from SilverSneakers to learn about the fitness benefit options available to you.
