Hawaii Medicare Supplement Plans (Medigap)

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Hawaii Medicare Supplement Plans are available to supplement Traditional Medicare coverage. Additional benefits may be needed for out of pocket expenses including deductibles, copayments, and coinsurance, costs that are not covered by Original Medicare.

Private insurance companies offer Medigap policies, which are the same idea as Medicare Supplement plans. The Federal Medicare program in Hawaii, as in the other states, is broken down in parts and plans.

Hawaii MedicareHawaii Medicare Parts and Plans

  • Original Medicare, Part A and Part B Part A cover hospital care, and Part B covers physician care.   
  • Medicare Advantage Plans, Part C Medicare insurance plans offered by private insurance companies are called Medicare Advantage plans. Medicare Advantage plan options may be different in different states. Part C coverage may be limited in comparison to what is available if you enroll in Medicare Parts A & B.
  • Medicare Part D Prescription Drug Plans (PDPs) provide prescription medicine coverage for beneficiaries who are enrolled in Original Medicare, Part A and Part B. Part D coverage is offered by private insurance companies that are approved by Medicare. You can also get Medicare Part D through a Medicare Advantage Prescription Drug plan.
  • Medicare Supplement insurance – covers health care costs that Original Medicare does not, including plan deductibles, copayments, and coinsurance. Medicare Supplement Plans in Hawaii are available in your area from a variety of insurers.

To get the most out of your Medicare coverage and benefits, choose Medicare Parts A & B, the Medicare Part D Prescription Drug Plan, and a supplemental Medigap policy from a private insurer.

What are the Medicare Benefits Available in Hawaii

Medicare Part A covers hospital inpatient care, limited stays in a skilled nursing facility, some necessary home health care, and hospice care.

If you were employed for at least ten years and paid Medicare taxes while you worked, you qualify for premium-free Part A. In other situations, you will pay a premium. For 2018, the Medicare Part A deductible for each benefit period is $1,340. There are also coinsurance payments for specific time periods.

  • For days 1 through 60, there is $0 per day coinsurance payment.
  • 61 through 90 days: $335 per day coinsurance.
  • 91 days and beyond: $670 per day coinsurance for each lifetime reserve day (you may get up to 60 lifetime reserve days in your lifetime).
  • After lifetime reserve days are used up: Medicare typically doesn’t cover your inpatient hospital stay.

The Medicare Part B annual deductible $183 in 2018. This amount will be applied to Medicare-covered health-care costs involving physician services, outpatient hospital services, some home health services, and included medical equipment. Once you’ve met the deductible, you will be responsible for Part B coinsurance of 20% of the Medicare-approved amount. Limits on physical therapy, occupational therapy, and speech-language pathology services are possible.

In 2018, the annual deductible for a basic Medicare Part D Prescription Drug Plan is $405

These copays, pay gaps and deductibles rapidly accumulate for some Medicare recipients. A Medigap plan can cover the difference.

Guidelines for Hawaii Medicare Supplement Plans

Medigap Plans are available to Medicare enrollees in Hawaii who are 65 years or older and enrolled in Medicare Part B. It’s important that you enroll in Medicare Part B as soon as you are eligible, which is the month of your 65th birthday. If you fail to do so, you will be charged a late penalty, and may not have the appropriate coverage when you need it.

Hawaii Medicare Eligibility for the Disabled Under 65

For those who are under 65 and disabled, Medicare Part A and Medicare Part B become available after receiving disability benefits from Social Security, or disability benefits from the Railroad Retirement Benefits, for 24 months. In Hawaii, insurers are required to offer Medigap plans for disabled and under 65 Medicare recipients.

Applying for Hawaii Medicare Supplement Plans

The Open Enrollment Period (OEP) starts on the first day of the month you are 65 years old, and you are covered under Medicare Part B.

Your Open Enrollment Period is effective for six months. That period is when you will have Guaranteed Issue (GI) for Supplement or Medigap coverage. Guaranteed Issue means that insurers must cover you, no matter your pre-existing conditions. Make sure to enroll during your OEP, because after the OEP it can be challenging to find Medigap plans that cover pre-existing conditions or disabilities.

There are Special Enrollment Periods (SEP) for some circumstances, including if you relocate to another state or are a newly naturalized citizen.

The Top Medicare Supplement Plans in Hawaii

With a range of insurance companies to choose from, you might assume that Medicare Supplement plans (Medigap plans) would vary, depending on who you choose. The plans are, in fact, the same from carrier to carrier. The plans in your area are the same whether you are in Honolulu or Kihei.

  • Plan F and Plan G are the same, except that Plan F covers the Medicare Part B deductible, and Plan G does not.
  • Plan N offers the best coverage for those who frequently travel overseas. It does not cover excess Part B costs.
  • Plan HDF (High Deductible F) offers a more affordable way to supplement Medicare, but with a higher deductible.

Medicare Advantage Plans in Hawaii

Medicare Advantage Plans – Part C – is less expensive, but there are disadvantages when compared with Medicare Part A, Part B and Part D coverage used along with a Medigap plan. Medicare Part C limits provider choices to PPOs and HMOs chosen by the plan, and it doesn’t have the prescription coverage benefits that Medicare Part D has.

Prescription Drug Plans for Medicare in Hawaii

Medicare Part D, the prescription drug coverage plan, works with Parts A & B. There are no prescription drug benefits in Parts A & B. Enrolling in Medicare Part D must be done immediately when you enroll in Medicare. Otherwise, a penalty may be added to your Part D premiums that will never go away.

How to Apply for Medicare in Hawaii

  • Go to Social Security online for access to information
  • Visit your local Social Security office for in-person assistance
  • Contact the Railroad Retirement Board

To ensure coverage for your medical expenses that are not covered by Medicare, make sure to sign up for a Medigap plan once you enroll in Part B. You can use our online rate form to see rates in your area, or give us a call at the number above.

Hawaii Medicare Resources

If you need extra assistance with your Medicare expenses, there are a few programs that can help, including Qualified Medicare Beneficiary (QMB). There are also Medicare savings programs. You can find more information about these programs here.

Hawaii Medicare FAQs

  1. Does Humana offer Medicare plans in Hawaii? Yes. For information regarding Humana coverage in Hawaii, click here.
  2. What Medicare Supplement plans are offered in Honolulu? For Medigap coverage in Honolulu and other cities in Hawaii, give us a call or complete our online rate form above.