Medicare Supplement plans in Hawaii provide beneficiaries with comprehensive coverage for the costs left by Original Medicare (Part A and Part B). These policies pair with Medicare Part A and Part B to help lower out-of-pocket expenses, giving recipients peace of mind. Without Medicare Supplement (Medigap) coverage, beneficiaries are at risk for expensive or unexpected healthcare bills.
Best Medicare Supplement Plans in Hawaii
It is no secret that Original Medicare has gaps in coverage. Thus, you are responsible for cost-sharing in the form of copays and coinsurance.
Ultimately, the best option for filling in the gaps of Original Medicare (Parts A and B) is a Medicare Supplement plan.
The best Medicare Supplement plans are the same across the nation. This is because of Medicare Supplement plan standardization. Thus, all Medigap plans of the same letter share the same benefits regardless of where you live or the carrier you enroll through.
Medicare Supplement Plan F in Hawaii provides the most comprehensive coverage of all Medigap plans. This plan covers 100% of your out-of-pocket costs after Original Medicare pays its portion. Yet, due to the elimination of first-dollar coverage for Medigap, there is a cutoff for those who can enroll in Plan F that depends on their Medicare eligibility year. If you became eligible for Original Medicare after January 1, 2020, you are not eligible to enroll in Plan F coverage.
Next up is Medicare Supplement Plan G. This plan requires beneficiaries to pay a little more in out-of-pocket costs but is becoming increasingly popular as Medigap Plan F is being phased out. When enrolled in Plan G, you are responsible for covering the Medicare Part B deductible. Then, your Medigap plan covers all remaining Medicare-approved costs for the calendar year.
Lastly, Medicare Supplement Plan N is a top plan in Hawaii due to its relatively low monthly premium and competitive benefits. With Plan G, you are responsible for paying the Medicare Part B premium, copayments at the doctor’s office or emergency room, and excess charges are applicable. In Hawaii, you could be responsible for an up to 15% additional charge above the Medicare-approved amount for a service if your physician does not accept Medicare Assignment. However, these costs are rare and easily avoidable.
As you can see, Medigap options in Hawaii are not limited. The right plan for you will depend on your budget, healthcare need, and availability.
How Much Do Medigap Plans in Hawaii Cost?
If you’re looking for low-cost Medicare Supplement insurance in Hawaii, you’ll need to understand the factors that affect your monthly premiums.
Comparing Medicare Supplement plans in Hawaii can help you find the right plan for your budget while enrolling in coverage to meet your healthcare needs. Below, we compare Medigap plans for Hawaii residents aged 65 and 75 within the same ZIP Code.
| Female, No Tobacco, Hawaii ZIP Code 96733 | |||
|---|---|---|---|
| Medigap Plan | Monthly Premium Age 65 | Monthly Premium Age 75 | |
| Medicare Supplement Plan F | $137-$412* | $208-$469* | |
| Medicare Supplement Plan G | $110-$368 | $147-$368 | |
| Medicare Supplement Plan N | $87-$212 | $121-$213 | |
| Male, No Tobacco, Hawaii ZIP Code 96733 | |||
|---|---|---|---|
| Medigap Plan | Monthly Premium Age 65 | Monthly Premium Age 75 | |
| Medicare Supplement Plan F | $151-$412* | $208-$539* | |
| Medicare Supplement Plan G | $110-$368 | $147-$381 | |
| Medicare Supplement Plan N | $89-$212 | $132-$236 | |
* If on Medicare before 01/01/2020
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 Medicare 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.
Additional Medicare Coverage Options in Hawaii
If you are enrolled in a Medicare Supplement plan in Hawaii, there are certain benefits your plan does not cover that you may wish to receive. These benefits include prescription drug, dental, vision, and hearing coverage. Luckily, these options are available through additional plans like Medicare Part D.
Additional coverage plans are available to help cover dental, vision, and hearing benefits for those enrolled in Medicare across the state of Hawaii. These plans allow you to visit the physician of your choice and receive care otherwise not available through Original Medicare.
Medicare Part D prescription drug plans are also available to enroll in when you have Original Medicare. With or without a Medicare Supplement plan, Part D is essential to receive prescription drug benefits.
Additionally, if you decide a Medigap plan is not right for you, looking into Medicare Advantage plans may be another great option for you. Medicare Advantage (Medicare Part C) plans combine Original Medicare coverage with additional benefits to provide you with a wide range of healthcare insurance. Keep in mind, these plans may require networks, additional out-of-pocket costs, and prior authorizations. However, these plans are the best option for some people.
