There are roughly 278,000 people who receive Hawaii Medicare benefits. Of those enrolled, 131,000 chose to enroll in a Medicare Advantage package. That means nearly 148,000 members go without a supplemental Medicare plan to cover additional medical expenses.

Below, we will review the different types of Supplemental Medicare plans available to help enrollees reduce their healthcare expenses while receiving additional benefits.

Hawaii Medicare Facts & Figures

  • In Hawaii, there are 110,000 members enrolled in both Medicare Part A and Part B.
  • Of Medicare Parts A and B members, over 100,000 receive benefits due to their age.
  • Only around 10,000 members were eligible to receive benefits because of a disability.
  • About 186,000 members in Hawaii receive prescription coverage from Medicare Part D.
  • In Hawaii, about 131,000 residents have enrolled in a Medicare Advantage Plan.

Medicare Costs in Hawaii for 2024

The US government controls the price of Medicare and keeps it the same across the country. Hawaii Medicare Part A gives members benefits that pay for hospital stays and services. Part B can provide beneficiaries with coverage for diagnostic testing and other outpatient services.

Medicare Part A Costs in 2023 Medicare Part B Costs in 2023
  • Part A is premium-free for most
  • Part A deductible is $1,600 per benefit period
  • Inpatient hospital stay days 61-90 is $400
  • The standard Part B premium is $164.90
  • The annual deductible for Part B is $226
  • Medicare pays 80%, you pay 20% out-of-pocket

Original Medicare Coverage

Nearly 12,000 members qualify for Part A in Hawaii because they have a disability. About 135,000 members enrolled in Hawaii Medicare Part A because they were 65 and older.

Part B has roughly 111,000 total members in Hawaii. Of these beneficiaries, over 90% enrolled due to their age. That means only 10,000 have a disability that qualifies them to receive Hawaii Medicare benefits.

Medicare Part A (Hospital Coverage)

  • Inpatient care in hospitals
  • Skilled nursing facility care
  • Hospice care
  • Home health care
Medicare Part B (Medical Insurance)

  • Services from doctors and health providers
  • Outpatient care
  • Home health care
  • Durable medical equipment
  • Some preventive services

Supplemental Medicare Plans in Hawaii

The cost of healthcare continues to increase each year and causes many seniors to worry about how they will pay for their necessary medical care.

You can purchase supplemental Medicare plans to help combat these rising medical costs while receiving additional benefits not provided by Original Medicare.


Many Medicare members find Parts A and B sufficient for their medical needs. However, these parts alone leave significant coverage gaps for some members. The state has abundant supplemental Medicare plans, including Part C, Part D, and Medigap.

Original Medicare costs are the same in each state, but the price for supplemental plans could vary depending on your ZIP code.

Medicare Advantage

Medicare Advantage plans, also known as Part C coverage, allow enrollees to receive their Part A and B benefits from a private insurance company instead of the government. Advantage plans often have several additional benefits, including dental, vision, and prescription drug coverage.

Part D

A significant gap in members’ Parts A and B programs tends to be a lack of prescription medication coverage. Medicare Part D provides prescription coverage to Hawaii residents for a low monthly premium to supplement this issue. Medicare Part D is available as part of a Medicare Advantage or stand-alone plan.

Medigap plans give members additional coverage when they need it most. Medicare Supplement plans, or Medigap plans, help cover the costs left behind by Original Medicare while allowing enrollees to continue receiving their Part A and B benefits from the government. Medicare Supplement plans to maintain the same benefits regardless of location or insurance carrier.

Hawaii Medicare Resources

Hawaii’s State Health Insurance Assistance Program (SHIP) offers residents assistance with Medicare enrollment and counseling.

Hawaii Medicaid offers additional coverage for seniors or those with disabilities, such as nursing home care.

The Hawaii Insurance Division can provide additional assistance to those needing insurance information. If you need further assistance choosing and enrolling in a Medicare plan, our knowledgeable team can help you every step.

Cities in Hawaii with Estimated Premiums for Medigap Coverage

Below, the following Hawaii cities have had charts created to show the estimated Medicare Supplement premiums:


How do you know if you have Original Medicare in Hawaii?

To determine your Hawaii Medicare plan, you should check your enrollment status through the Social Security Administration. You can check your status online or call Medicare directly.

Who is eligible for Medicare in Hawaii?

To qualify for Medicare, you must be 65 years old or older. You may be eligible for enrollment before turning 65 if you have End-Stage Renal Disease (ESRD), Lou Gehrig’s Disease (ALS), or a qualifying disability. To see if you’re eligible for Medicare, visit your local Social Security office.

Is Medicare Part A and Part B free in Hawaii?

Most Medicare beneficiaries can receive Medicare Part A with no monthly premium in Hawaii, but Medicare Part B has a standard monthly premium of $174.70. You can lower your monthly Part B premium if you qualify for assistance programs like Hawaii’s Medicaid.

What are the types of Medicare in Hawaii?

In Hawaii, there are four classifications of Medicare available to residents. Members can choose between Parts A, B, C, and D to see which package suits their medical needs best.

Part A and B comprise Original Medicare, Part C includes the additional benefits through a Medicare Advantage plan, and Part D is prescription drug coverage.

Am I automatically enrolled in Medicare if I have Social Security in Hawaii?

Yes, Social Security will automatically enroll you into Medicare when you turn 65. You will generally receive enrollment information three months before your 65th birthday, starting your Initial Enrollment Period.

How to Sign Up for Supplemental Medicare in Hawaii

Understanding these plans well enough to commit to one can be challenging. Luckily, you can trust our team of Medicare experts to assist you with choosing the perfect plan.

We will help you identify the right supplemental Medicare plan for your healthcare needs and take you through the enrollment process.

Our comparison services are entirely free. To find the best Hawaii Medicare plan for you and get your rates, contact us today by filling out our online rate form.

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Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for She's been contributing to many well-known publications since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.