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Medicare Supplement Plans in Hawaii

Beneficiaries concerned about Original Medicare out-of-pocket costs have the option to enroll in a Medicare Supplement plan in Hawaii. They’re secondary Medicare insurance policies that enhance the standard Medicare benefits. Enrolling in a Medicare Supplement plan in Hawaii can make obtaining health care through the federal Medicare program less time consuming and expensive.

What Medicare Supplement plans are available in Hawaii?

There are 10 standardized Medigap policies plus two high-deductible plan options. Not all plans are offered in all zip codes, but the leading five are available for most areas of Hawaii.

If your Original Medicare effective date was prior to January 1, 2020, you have the option to sign up for Medicare Plan F. This is the most comprehensive plan available, and it covers the following:

1. Best full coverage: Medicare Plan F

  • Medicare Part B deductible
  • Medicare Part A deductible
  • Part A coinsurance
  • Part B coinsurance
  • First 3 pints of blood
  • Part A hospice care copayments
  • Skilled nursing facility coinsurance
  • Part B excess charges
  • Foreign travel emergency care (up to plan limits)

 2. Best comprehensive coverage for 2022: Medicare Plan G

Plan G offers the same benefits as Plan F except it doesn’t include the Medicare Part B deductible. It’s available to all beneficiaries regardless of Original Medicare start date.

3. Best value: Medicare Plan N

Plan N offers lower copayments for beneficiaries able to pay some out-of-pocket costs. The plan requires the following copays:

  • Doctor Visits – up to $20 per visit
  • Emergency Room Visits – up to $50 per visit

Medicare Plan N does not cover the Part B deductible or excess charges. It does cover the Part A deductible.

4. Best deductible plan: High-Deductible Plan F

The high-deductible version of Plan F offers all the benefits of the standard plan. The catch is that you have to pay the $2,490 deductible out of pocket before accessing those benefits. The rates are substantially lower for these plans.

5. Best for lowest rates: High-Deductible Plan G

Plan G’s high-deductible version comes with extremely low monthly premiums. You must pay the full deductible of $2,490 out of pocket each year before accessing those benefits.

When Can I Apply for a Medicare Supplement Plan?

The best time to apply for a Medicare Supplement insurance plan in Hawaii is during your personal Medigap Open Enrollment Period. Here’s what you need to know about that period:

  • It starts the first day of the month that you become eligible for Social Security benefits and sign up for Original Medicare.
  • It lasts for six months.
  • You will benefit from guaranteed issue rights that ensure the insurance company cannot deny you coverage or base your rate on your current health condition or pre-existing conditions.
  • You can sign up for a Medicare Part D plan at the same time.

You may also qualify for a special guaranteed enrollment period at a later date if you meet the eligibility requirements. That would grant you the same guaranteed issue rights even though you missed the initial open enrollment period.

You can also apply for a Medigap plan at any time. Medical underwriting will apply and could increase your rate or result in a denial of coverage.

How Much is a Medicare Supplement Plan in Hawaii?

What you pay for a Medigap plan in Hawaii depends on your zip code plus personal factors like age, gender, and use of tobacco. To illustrate potential Medigap rates, we generated quotes for a 65-year-old woman who doesn’t smoke and lives in Hawaii zip code 96733.

65-Year Old Female Non-Tobacco
Plan Type Premium Range
Plan G$102.72 - $215.42
Plan N$81.08 - $93.47

What Companies Sell Medigap Plans in Hawaii?

When selecting an insurer for your Medigap plan in Hawaii, financial integrity is just as important as pricing. There are close to 20 private insurance companies offering Medigap insurance in the state, but only a couple stand out for their commitment to fair pricing and excellent to superior financial ratings.

  • Aetna
  • Cigna
  • Mutual of Omaha

Ready to learn more?

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 Aetna, Cigna and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies 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.

Hawaii Medicare Resources

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.

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