Hawaii Medicare Supplement Plans


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Over 15 percent of Hawaii residents are 65 and over, and the vast majority of these older folks rely upon Original Medicare Part A and Part B. For many, Medicare Supplement plans in Hawaii are a sensible choice because they provide flexibility and predictable coverage of those things that Medicare leaves out or does not cover completely. It’s incredibly important to compare MA with Medicare Supplement plans in Hawaii and take the time to understand the pros and cons of each fully.

We make it easy to quickly compare Medicare Supplement plans in Hawaii with our simple form. Just enter your zip code in the form to begin!

Buyers of Medicare Supplement Plans in Hawaii

For example, Robert and Samantha have fulfilled their lifelong dream of retiring in Kailua, Hawaii, but they are new to the Islands and unfamiliar with any doctors. For them, the attraction to Medicare Supplement plans is the ability to choose doctors and other kinds of medical providers without worrying about HMO networks.

As another example, Bernice is eligible for Medicare and lost her employer’s plan after she retired. Since she has had to make regular appointments with doctors and therapists for a chronic medical condition, she already knows that she could run up high out-of-pocket medical costs if she chooses the wrong plan, so a very robust Medicare Supplement plan in Hawaii might cost more but will save her money in the long run.

Comparing Medicare Supplement Plans in Hawaii to MA

A lot of senior citizens find MA plans very attractive because of the possibility of little or even no monthly premiums and the simplicity of using their coverage. Also, many MA policies come with drug coverage and other benefits that are not included in either Original Medicare or a Medicare Supplement plan in Hawaii.

Medigap plans always have monthly premiums and only provide the coverage that is outlined by the Center for Medicare and Medicaid, CMS, for each of the levels, named with letters from “A” to “Medicare Supplement Plan N.” However, these policies are usually very consistent every year, are relatively straightforward to understand, and never restrict members to medical providers networks like MA PPOs or HMOs. The most robust options can eliminate concerns over high out-of-pocket medical bills too.

Here is a quick summary of recommended Medicare Supplement plan levels in Hawaii:

  • Medicare Plan G: This is almost the same as F but without the Part B deductible.
  • Plan C: Level C is the second most popular choice and also provides excellent coverage.
  • A/B: Typically, these are considered the basic options.
  • Medicare Supplement Plan F: This is the most popular plan with over half of Medicare Supplement plan purchasers choosing it. It is usually a more expensive option with very robust coverage.
  • K/L/N: These are cost-sharing options with excellent benefits and lower possible premiums.

Sample Rates on Medicare Supplement Plans in Hawaii

All Medigap plans have prices that are set because of location, the age of the applicant, and in some cases, medical factors. These samples are only meant to show some typical rates for a Medicare Supplement plan for a 65-year-old male in Honolulu, HI who does not smoke:

Please note: These quotes are just samples pulled from a variety of different Medicare Supplement plan insurers at the time of publication.

It is likely that residents of larger cities will enjoy more competition for Medicare Supplement plan in Hawaii. To illustrate this, consider the percentage of senior citizens in top Hawaii cities:

  • Honolulu: 15.1%
  • Pearl City: 19.4%
  • Manana: 16.0%
  • Hilo: 18.0%
  • Kailua: 12.4%
  • Waipahu: 15.8%

Online Comparisons of Medicare Supplement Plans in Hawaii

Aetna Medicare Plans is one of the largest insurers in this state that provide Medicare Supplement insurance. However, there are also dozens of other companies such as Cigna Medicare Plans and Mutual of Omaha.  One way to find good choices and low rates for Medicare Supplement plans in Hawaii is to use our simple quote form. Enter your zip code in the box on this page to get started. If you need more help, call with your questions.