Orlando Harmon
HOP medical insurance is a supplemental insurance plan for retirees of any Pennsylvania Public School District and their dependents. The plan covers deductibles, coinsurance, and other expenses that are required under Original Medicare. HOP also offers a travel assistance program that provides support for unexpected illnesses during trips. With a 4.7/5 rating on Trustpilot, HOP insurance is generally well-received by its customers. However, it is important to note that some customers have expressed concerns about how the company handles pre-existing conditions and related claims.
| Characteristics | Values |
|---|---|
| Trustpilot rating | 4.7 / 5 |
| Number of reviews | 184 |
| Availability of personalized information | Yes |
| Medicare Advantage plans | Available through Highmark, Aetna, Independent Blue Cross, Capital Blue Cross, and UPMC |
| Medicare Supplement plans | Available |
| Prescription drug coverage | Available |
| Dental and vision coverage | Available |
| Discounted premium for 65-year-olds | Yes |
| Discounted premium for members under 70 | Yes |
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What You'll Learn
HOP's Medicare Supplement plan options
The Health Options Program (HOP) is designed for participants of the Pennsylvania Public School Employees' Retirement System (PSERS), their dependents, and survivors. HOP offers two Medicare Supplement plan options: the HOP Medical Plan and the Value Medical Plan.
The HOP Medical Plan is a supplement to Original Medicare and provides coverage anywhere in the United States and abroad while travelling. It covers many of the deductibles, coinsurance, and other expenses that are required under Original Medicare. There is a $50 annual deductible before the plan pays benefits. After meeting the deductible, there is no charge for covered hospital and medical expenses, except for a $10-per-physician visit or $20-per-specialist-visit copay. The HOP Medical Plan also includes access to the SilverSneakers fitness program at no additional cost. Additional coverage can be added through the MetLife Dental and EyeMed Vision Option.
The Value Medical Plan is another Medicare Supplement plan option offered by HOP. While specific details of this plan are not readily available, it is mentioned alongside the HOP Medical Plan as one of the plan options available to HOP members.
In addition to the Medicare Supplement plans, HOP also offers Medicare Advantage Plans (also known as Medicare Part C plans). These plans are available through Highmark, Aetna, Independent Blue Cross, Capital Blue Cross, and UPMC. Medicare Advantage Plans provide benefits specifically designed for the Health Options Program and can be chosen as an alternative to Original Medicare and a Medicare Supplement plan. These plans combine medical and prescription drug benefits in a single program, and if chosen, enrolment in any other Medicare prescription drug plan is not permitted.
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HOP's prescription drug coverage
The HOP Medical Plan is a popular choice among retirees from any Pennsylvania Public School District. If you enrol at age 65, you are eligible for a discounted premium, and this discount continues annually until you turn 70. The plan covers many of the deductibles, coinsurance, and other expenses that are typically required under Original Medicare. There is a $50 annual deductible before the plan pays benefits, and after that, you pay nothing for covered hospital and medical expenses, except for a small copay per visit.
The Health Options Program (HOP) provides comprehensive medical and prescription drug coverage for participants of the Pennsylvania Public School Employees' Retirement System (PSERS), their dependents, and survivors. This program offers flexibility, allowing members to choose between a Medicare Supplement plan and a Medicare Advantage plan. It is worth noting that coverage under HOP is not automatic, and eligible individuals must actively enrol to access these benefits.
In addition to prescription drug coverage, HOP also offers other benefits such as the SilverSneakers fitness program at no additional cost and the option to add MetLife Dental and EyeMed Vision coverage. HOP's Medicare Advantage plans also provide benefits specifically designed for the Health Options Program, combining medical and prescription drug benefits in a single program.
While HOP's prescription drug coverage can be a valuable component of its overall medical insurance offering, it is important to carefully review the specific plan details, including any exclusions or limitations, to determine if it aligns with your individual needs and preferences.
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HOP's dental and vision coverage
With EyeMed vision coverage, you are free to visit any vision provider, but you will save money by choosing an EyeMed Insight network provider. Eye examinations, frames, and prescription lenses or medically necessary contact lenses are covered once every other calendar year. When visiting a PLUS Provider, such as LensCrafters and Target Optical, you are eligible for an additional $50 frame allowance. The HealthyEyes wellness program provides online resources to help maintain your eye health.
MetLife dental coverage allows you to visit any dentist, but you will save money by choosing an in-network dentist. There is no deductible when using in-network providers, but an out-of-network dentist will require you to meet a $100 deductible before receiving benefits for basic or major restorative services. MetLife negotiates discounted rates with in-network providers, and your percentage of the cost is always lower with these providers.
Overall, HOP's dental and vision coverage through the MetLife Dental and EyeMed Vision Option provides flexibility in choosing your providers while also offering potential cost savings through their preferred networks.
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HOP's $100 premium credit
One of the key advantages of the HOP Medical Plan is that it covers many of the deductibles, coinsurance, and other expenses that are typically required under Original Medicare. This includes a $50 annual deductible, after which you pay nothing for covered hospital and medical expenses, except for a small copay for each physician or specialist visit. The HOP Medical Plan also provides coverage anywhere in the United States and abroad while travelling, which is a significant advantage for those who frequently travel.
Additionally, the HOP Medical Plan offers access to the SilverSneakers fitness program at no additional cost, providing a valuable opportunity for retirees to stay active and healthy. HOP also offers the option to add additional coverage through the MetLife Dental and EyeMed Vision plan, ensuring that all your health needs are taken care of in one convenient package.
When it comes to choosing a healthcare plan, it's important to consider your specific needs and preferences. The HOP Medical Plan offers flexibility, choice, and comprehensive coverage, making it a worthwhile option for those who are looking for a reliable and convenient healthcare solution during retirement. With its $100 premium credit, HOP provides an attractive incentive for retirees to enrol and take advantage of the extensive benefits offered by the Health Options Program.
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HOP's Trustpilot rating
Hop! Insurance: Travel, Medical, and Assistance has a rating of 4.7 out of 5 on Trustpilot, which is considered "Excellent". Out of 184 reviews, many customers have praised the insurance provider for its quick and responsive online support, 24/7 availability of travel and medical assistance teams, transparency, and upfront communication. One customer shared that Hop provided a pleasant experience for their colleague's dad who needed to visit urgent care during his trip to the US.
On the other hand, Société HOP!, the brand name of regional flights operated by Air France subsidiaries, has an "Average" rating of 3.3 out of 5 on Trustpilot, based on 6 reviews. Meanwhile, Hop Sport, an online shop for sports and leisure products, has a "Poor" rating of 2.5 out of 5 on Trustpilot, with 130 people contributing to the rating.
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Frequently asked questions
The HOP Medical Plan is a Medicare Supplement plan that covers many of the deductibles, coinsurance, and other expenses that you are required to pay under Original Medicare. It is available to retirees of any Pennsylvania Public School District and their dependents.
The HOP Medical Plan offers a range of benefits, including:
- Coverage anywhere in the United States and abroad while travelling.
- Access to the SilverSneakers fitness program at no additional cost.
- No need for prior authorizations for services such as MRI's, CT scans, and home health care.
- Competitive premiums, with discounts available for those who enroll at age 65.
Reviews on Trustpilot are generally positive, with an average rating of 4.7/5. However, there are some negative reviews that warn potential customers to exercise caution, citing issues with claims handling and concerns about the company's primary focus on profit over customer well-being.
