Best Medicare Plans in Hawaii
Even though Hawaii is a small state, there are still a lot of beneficiaries of Medicare in Hawaii. If you’re 65 or older or have a disability and live in Hawaii, then you might be interested in learning more about Medicare in Hawaii. We’re here to help you learn more about Hawaii Medicare insurance and your Hawaii Medicare benefits.
Overview of Medicare in Hawaii
First, you’ll need to get enrolled in Original Medicare Part A and Part B. Medicare Part A, which most beneficiaries in Hawaii do not have to pay a monthly premium for, is your hospital insurance. It provides coverage when you have to spend time as an inpatient in a hospital or hospice care center.
The next part of your Hawaii Medicare benefits is Medicare Part B. Unlike with Part A, you will have to pay a monthly premium for this medical insurance plan. It’s designed to help with doctor’s office visits, emergency room visits and other medical expenses that are not covered by your hospital insurance. There is a monthly premium, the Medicare Part B premium, that you must pay for this plan.
Enrollment Statistics for Medicare in Hawaii
- There were 268,978 Medicare beneficiaries in Hawaii in 2018.
- Out of these 268,978, 120,245 Hawaii beneficiaries had Medicare Advantage this same year.
- Many of the Hawaii beneficiaries who did not have an Advantage plan relied on Medicare Supplement insurance to help with reducing costs for copayments, coinsurance and deductibles left behind by their Original Medicare insurance.
Best Types of Medicare Plans in Hawaii
You can use Medicare in Hawaii alone for coverage. Many people who rely on Hawaii Medicare insurance find that signing up for another plan to enhance their coverage is smart. These are the different types of Medicare plans in Hawaii that you can choose from. You can talk to one of our licensed insurance agents about how these plans can help with your out-of-pocket costs, and we can help you pick a company with top star ratings so that you can save on copays and more.
- Medicare Supplement Plans in Hawaii – Also known as Medigap plans, these plans help with covering costs that aren’t covered by your Medicare in Hawaii. There are 10 different plans that you can choose from; each offers a different level of coverage and a different monthly premium. Like with your Original Medicare coverage, there are no network restrictions with these health insurance health plans. You can go to any doctor’s office, skilled nursing facility or other provider that accepts coverage from the Medicare program.
- Medicare Advantage Plans – If you would like a replacement plan for Original Medicare in Hawaii, a Medicare Advantage plan (Medicare Part C) is going to be your best choice. Many people like that these plans come with wellness benefits and additional coverage that you can’t get through a Medicare Supplement, such as hearing, dental and vision coverage. In many cases, a Medicare Part D drug plan is included too. Many plan options are HMO or PPO with network restrictions, but some options — like PFFS (private fee-for-service) plans do not have these restrictions.
- Medicare Prescription Drug Plans – Part D – Medicare Part D prescription drug coverage refers to stand-alone prescription drug coverage that helps pay for prescription medication. After all, Original Medicare insurance does not cover prescription medication costs, and neither do Supplements. Sign up for your Part D plan right away to avoid the Medicare Part D late enrollment penalty.
- Special Needs Plans – SNPs are special needs Medicare Advantage plans for people with end-stage renal failure or other serious, chronic health conditions.
Hawaii Medicare Resources
If you’re a Medicare beneficiary who is curious about your benefits, if you are someone who is low-income who needs help with Medicare plans in Hawaii or if you’re just looking for general information, these resources can help:
- Hawaii Medicaid
- Hawaii State Department of Health
- Extra Help with Your Medicare Drug Plan
- CMS: Centers for Medicare and Medicaid Services
You don’t have to navigate the world of Medicare and Medicare plans in Hawaii on your own. During your Medicare Initial Enrollment Period or at any other time, check out our Medicare Supplement plans comparison chart, or use our website to see Medicare Supplement plan quotes. If you want to compare plans and rates or compare insurance company options, we can help. We want to help you find the best rates for premiums and the best coverage for you.