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Best Medicare Supplement Plans in Hawaii – F, G & N Benefits

The best Medicare Supplement plans in Hawaii are designed for those who are a beneficiary of original Medicare insurance. In addition to having Medicare, you can opt to purchase one of the Medicare Supplement insurance plans in Hawaii so that you can make your healthcare more affordable. This coverage helps you make sure that you have the coverage that you need. You just have to be enrolled in Medicare Part A and Medicare Part B first.

Best Types of Medicare Supplement Plans in Hawaii

Medicare Supplement insurance plans are a great tool for Hawaiians who rely on Medicare to help with their healthcare expenses. These are some of the benefits of Medicare Supplement plans:

  • If you like having Medicare, you’ll probably prefer a Supplement plan through a Medicare insurance company because you can still enjoy the benefits of original Medicare. Instead of replacing Medicare, the best Medicare Supplement plan in Hawaii that you choose will supplement and work with your Original Medicare.
  • You will get help paying for some of the out-of-pocket expenses that you would normally have to pay yourself if you just had Medicare and did not have a Medicare Supplement plan. For example, your plan will help cover things like deductibles and copayments.
  • If you compare Medigap plans in Hawaii before buying, you can choose an affordable plan that fits your budget.

How Many Medicare Supplement Plans are Available in Hawaii?

Like most — but not all states, you can choose from 10 different Medigap policies when buying a Medicare Supplement insurance plan in Hawaii. With so many choices, Medicare beneficiaries can compare coverage, deductibles, copayments, benefits, and rates to find the best Medicare Supplement plan in Hawaii.

Of course, along with being able to choose from 10 different plans when shopping for Medicare Supplement insurance plans in Hawaii, you can also choose your preferred insurance company when buying a Medigap plan in Hawaii. You might want to choose an insurance company that you have been covered by in the past, for example.

Many people look at the pricing model used by the insurance company when buying a Medicare Supplement plan in Hawaii. There are three different ways that insurance companies determine pricing for those who are shopping for the best Medicare Supplement insurance plans in Hawaii:

  • Attained-age rated: This is the most popular pricing model for Medicare Supplement plans in Hawaii. With this type of pricing model, your rates will go up as you age.
  • Issue-age-rated: With this type of Medigap pricing model, your rates will be based on how old you are when you sign up. Even though rates might increase some over the years, such as because of inflation, you don’t have to worry about being charged more because you are getting older. With this pricing model, it’s best to sign up during your Medigap Open Enrollment Period when you are 65. Then, you can generally get the best Medicare Supplement insurance plan in Hawaii with the lowest possible premiums.
  • Community-rated: With this Medigap pricing model, everyone who has Medicare Supplement insurance plans through a company will pay the same amount. For some, rates are higher with this model than they would be with another model. For others, this can be a good way to get a good rate on the best Medicare Supplement insurance plans in Hawaii.

Benefits of Medicare Supplement Plan F in Hawaii:

The Medicare Supplement plan that covers the most health care costs is definitely Medigap Plan F in Hawaii. It’s usually the most expensive of the Supplemental health plans, but it offers all of the following types of coverage:

  • Part A hospital coinsurance
  • Hospital costs up to 365 days after benefits through Original Medicare are exhausted
  • Part A hospice care copays or coinsurance
  • Part A deductible
  • Part B deductible
  • Part B preventive office visit coinsurance
  • Part B coinsurance or copays
  • Excess charges for Medicare Part B
  • First three pints of blood needed for a medical procedure
  • Coinsurance for care in a skilled nursing facility
  • Limited foreign travel emergency care

If you want health insurance that is going to cover you in all types of situations and if you do not mind paying a little extra for it, Medigap Plan F is the right choice. 

You can reduce out of pocket costs even more by shopping around when you buy your Medicare Supplement Plan F plan in Hawaii. 

Benefits of Medicare Supplement Plan G in Hawaii:

If you want to buy an affordable plan from a private insurance company with great benefits, you may be hoping to keep costs reasonable while still enjoying plenty of coverage, Medigap Plan G in Hawaii is one of the plan options that offer a nice mix of coverage and affordability. In fact, it offers almost as much coverage as Plan F at a lower price.

  • Does NOT cover Medicare Part B deductible 

Benefits of Medicare Supplement Plan N in Hawaii:

The benefits of Medicare Supplement Plan N in Hawaii are not the most comprehensive. It helps reduce out of pocket expenses for those who are covered, though.

  • Does NOT cover Part B Deductible
  • Does NOT cover Excess Charges for Part B
  • Requires $20 copay for office visits
  • Requires $50 copay for emergency room visits

Medicare Supplement Plans in Hawaii: When Can I Enroll?

The best time to sign up for a Medigap plan is during your Initial Enrollment Period. This term refers to the six-month period after you sign up for Medicare Part B. Of course, it is possible to sign up during other times. However, unlike during your Initial Enrollment Period, the insurance company can turn you down because of health conditions if you don’t enroll during the Initial Enrollment Period. Of course, there are exceptions, such as if you have recently lost your healthcare benefits through your employer.

Of course, a Medicare Supplement is not the only thing that you should talk to an insurance agent about enrolling in. The U.S. government Medicare plan does not pay for prescription medication, and your Supplement plan will not, either. A stand-alone Medicare Part D prescription drug plan from a company like Aetna will be needed if you want prescription drug coverage. You can sign up for a Medicare Part D plan as soon as you’re eligible for Medicare.

Medicare Supplement Plans in Hawaii: Enrollment Statistics

Top five counties in Hawaii:

  • Hawaii County
  • Honolulu County
  • Kalawao County
  • Maui County
  • Kauai County

A few more stats about Medicare and Medicare Supplements in Hawaii:

  • More than 140,000 senior citizens and disabled individuals in Hawaii are covered under Medicare.
  • Almost 7,500 Medicare recipients in Hawaii had Medicare Supplement plans in 2015. This is about 5.6 percent of individuals who are covered under original Medicare insurance in the state.
  • The most popular Medigap plan in Hawaii is Plan F plans.

Hawaii Medicare Resources

It’s important to have a solid understanding of the Medicare program and the Medicare benefits. These resources can help. They can also help you get more out of the federal Medicare program with information about low-income options, Medicare Supplement plans, Medicare Advantage plans and more.

Related Topics for Comparing Medicare Supplement Companies and Plans in HI

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the process of plan selection. We work closely with some of the nations top rated carriers such as AetnaCigna and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies in Hawaii or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

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