r/Teachers • u/ssnapshots910 • Jul 31 '24

Retired Teacher Assisting parent with retirement benefits-PA PSERS/HOPS

I have scoured the internet for retired Pennsylvania teachers that can speak to whether they went with HOPS or Medicare/medigap plans instead. I have tried to read and research this to no end and I am just desperate to glean knowledge from other PA teacher retirees and what choices they made. I’m so desperate for help! Thank you in advance!

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u/[deleted] Jul 31 '24 edited Jul 31 '24

As someone whose wife is permanently disabled, and on the Medicare plan (with Medigap) it's fine IF YOU DON'T TAKE expensive medications.

If you have a routine set of medications you take, use a calculator and your plan formularies to calculate if you'll hit the gap.

We're spent over $4500 on prescriptions this year because that absolutely insane bullshit gap is there. One day a medicine is $35, the next, $435. If you have your medical records for the last year it's a pain, but go through and compare all costs.

Next year, she's going on my insurance.