Medicare Supplement Plans in Hawaii for 2022

Hawaii Medicare Supplement plans provide beneficiaries with comprehensive coverage. These policies pair with Medicare and lower out-of-pocket expenses, giving recipients peace of mind. Without Medigap coverage, beneficiaries are at risk for expensive healthcare bills.

Medicare Supplement Plans in Hawaii

Medicare has gaps in coverage, including no coverage for prescription drugs. Meaning, you’ll need to enroll in a Part D plan for medication benefits. It also requires beneficiaries to pay a monthly Part B premium for their outpatient care coverage. While most receive premium-free Part A benefits, those who aren’t eligible pay for their inpatient care coverage.

Ultimately, the best option for filling in the gaps of Original Medicare (Parts A and B) is a Medicare Supplement and Part D plan. This combination of coverage will protect your finances if you happen to have issues with your health.

Another option for additional coverage is Medicare Advantage. These plans are available on a county-by-county basis and include prescription drug coverage. Some even boast $0 premium options. However, when you pay a low premium, expect to pay a high out-of-pocket amount. This can lead to a large sum of money going toward your medical expenses if you encounter health problems.

Hawaii Medicare Eligibility for the Disabled Under 65

The state of Hawaii doesn’t require carriers to offer Medigap plans to individuals under 65 who qualify due to disability. Yet, these beneficiaries may find that Advantage coverage is more suitable for their wallets anyway, as Medigap premiums are higher under 65.

Once they reach 65, individuals who were initially eligible due to disability get a chance to enroll in Medigap coverage with guaranteed issue rights. Taking advantage of this window saves money, time, and energy.

Best Medicare Supplement Plans in Hawaii

The top Medicare Supplement plans are the same across the nation. This is because, for example, Plan F in Hawaii offers the same coverage as Plan F in any other state. Plan F provides the most comprehensive coverage of all Medigap plans. Yet, due to the elimination of first-dollar coverage for Medigap, there is a cutoff for who can enroll in Plan F (and Medigap Plan C) that depends on their Medicare eligibility year.

The plan that offers the second-most benefits is Plan G. Additionally, Plan N is increasing in popularity since the announcement of Plan F’s retirement. Plan N requires beneficiaries to pay a little more out-of-pocket in the form of copayments. However, the premiums can be substantially lower than what you’d pay for the other two more popular policies.

Most importantly, you should be educated when it comes to your options. This will ensure that you choose the policy that’s right for you. Insurance agents can offer expert advice and walk you through your Medigap application.

Signing Up for Medicare Supplement Plans in Hawaii

Although the agents at MedicareFAQ aren’t licensed in Hawaii and therefore can’t help with enrollment in this state, we encourage you to find an agent who can. You can start the Medigap enrollment process in one phone call. If you’re over 65 and have Part B, you’ll find peace of mind with a Medicare Supplement plan.

If you need to apply for Medicare, contact Social Security. Those receiving Social Security benefits should automatically enroll in Medicare. Once your enrollment is complete, contact an agent who is licensed in your state for help choosing supplemental coverage.

Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.


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