Hilo, Hawaii Medicare provides health insurance to people 65 and older. In Hilo, Hawaii, residents can enroll in various Supplemental plans to reduce their Original Medicare costs.
Hilo, Hawaii Supplemental Medicare plans
Enrolling in a supplemental Medicare plan allows you to get coverage for out-of-pocket medical expenses. Residents in Hilo, Hawaii, can choose from Medigap, Medicare Advantage, and Part D plans.
The quotes below use a 65-year-old male beneficiary as their basis.
Average Medicare Advantage plans in Hilo, Hawaii
Medicare Advantage plans provide many benefits while allowing enrollees to receive their Part A and B benefits from a private insurance provider rather than the government. Some plans offer extra services such as vision, dental, and hearing benefits. Hilo has 9 Medicare Advantage plans available.
Wellcare offers two types of plans: HMO and PPO. Both programs have zero-dollar monthly premiums. The HMO plan has a maximum out-of-pocket (MOOP) limit of $6,700, and the PPO plan has a MOOP of $7,550.
HMSA Akamai has two Local PPO plans with different premiums. One program has a monthly premium of $40 with a MOOP limit of $6,700. The other costs $167 per month with a MOOP of $3,450.
Kaiser Permanente (HMO) has the highest monthly premiums at $190. These plans have a MOOP of $5,100 and a five-star rating.
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Wellcare | $0 | $6,700 | HMO | 3 |
| Wellcare | $0 | $7,550 | LOCAL PPO | 3 |
| HMSA Akamai | $40.00 | $6,700 | LOCAL PPO | 4 |
| HMSA Akamai | $167.00 | $3,450 | LOCAL PPO | 4 |
| Kaiser Permanente | $190.00 | $5,100 | HMO | 5 |
Cheapest Medicare Supplement plans in Hilo, Hawaii
The Hilo, Hawaii Medigap plans pay for costs not covered by Original Medicare. All plans have government standardization to ensure that the benefits remain the same across the nation. In most cases, the monthly premiums can change depending on the location and carrier.
Plan G provides coverage for all costs except the Part B deductible. Plan premiums range from $109.65 to $368.17. Medigap Plan HDG premiums range from $35.50 to $45.56; however, it has a higher annual deductible.
Medigap Plan F has the lowest out-of-pocket expenses and covers 100% of Medicare expenses. Plan F enrollees pay no deductibles, and the plan premiums range from $150.56 to $412.37 per month.
Medigap Plan HDF best suits people who have low medical expenses. The plan has low premiums with high deductibles. Plan HDF premiums range from $35.50 to $49.66 per month.
Medigap Plan N pays for 20% of Medicare Part B coinsurance. The plan costs range from $89.36 to $212.12. Plan N members pay a $20 copay fee for doctor visits and $50 for emergency care.
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $95.83 | $316.75 |
| PLAN B | $126.52 | $329.87 |
| PLAN C | $149.70 | $389.87 |
| PLAN D | $117.39 | $285.27 |
| PLAN F | $150.56 | $412.37 |
| PLAN HDF | $35.50 | $49.66 |
| PLAN G | $109.65 | $368.17 |
| PLAN HDG | $35.50 | $45.56 |
| PLAN K | $47.28 | $113.50 |
| PLAN L | $83.77 | $218.87 |
| PLAN M | $103.14 | $209.97 |
| PLAN N | $89.36 | $212.12 |
Affordable Medicare Part D in Hilo, Hawaii
Medicare Part D provides coverage for prescription medications. Medigap plans don’t offer Part D coverage. Medicare beneficiaries can enroll in standalone Part D plans or find a Medicare Advantage plan that includes drug coverage.
Aetna has the cheapest plan with a premium of $7.80, a $480 deductible, and a three-star rating.
The Wellcare plan costs $8.50 per month with a $480 deductible and a three-star rating.
Lastly, UnitedHealthcare’s plan has a premium of $10.40 with a $310 deductible and a four-star rating.
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING |
| Aetna | $7.80 | $480 | 3 |
| Wellcare | $8.50 | $480 | 3 |
| UnitedHealthcare | $10.40 | $310 | 4 |
| Clear Spring | $16.70 | $480 | 2 |
| Humana | $22.70 | $480 | 4 |
Medicare Special Needs Plans in Hilo, Hawaii
Hilo, Hawaii Medicare Special Needs Plans (SNPs) fall under the umbrella of Medicare Advantage plans. People with chronic disabilities and certain diseases can enroll in SNPs. However, not all areas and states offer these plans.
The UnitedHealthcare (PPO) plan has dual eligibility with a MOOP of $7,550 and zero monthly premiums.
HMSA Akamai’s PPO plan has a MOOP of $6,700 and zero monthly premiums. The plan also has dual eligibility, meaning beneficiaries with both Medicare and Medicaid qualify for enrollment.
Lastly, AlohaCare’s HMO plan has a $32.70 monthly premium with a MOOP of $7,550 and dual eligibility.
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Wellcare | $0 | $3,450 | HMO | Dual |
| UnitedHealthcare | $0 | $7,550 | REGIONAL PPO | Dual |
| HMSA Akamai | $0 | $6,700 | LOCAL PPO | Dual |
| UnitedHealthcare | $0 | $7,550 | LOCAL PPO | Dual |
| AlohaCare | $32.70 | $7,550 | HMO | Dual |
FAQs
Does Medigap cover drugs in Hilo, Hawaii?
No, Medigap plans don’t provide drug coverage in Hilo, Hawaii.
Can you switch from Medicare Advantage to Medigap in Hilo, Hawaii?
Yes. First, you must cancel your Medicare Advantage plan. You can easily drop the program during the Medicare Advantage Open Enrollment Period (OEP) between January 1 and March 31.
Next, apply for a Medigap plan through your choice of carrier.
What is the most popular Medigap plan in Hilo, Hawaii?
Medigap Plan F is the most popular plan in Hilo, Hawaii. The enrollment period remains open to those eligible for Medicare before January 1, 2020.
People not eligible should enroll in Medigap Plan G, which offers similar benefits to Plan F.
Do Medigap plans have a maximum out-of-pocket in Hilo, Hawaii?
Medigap plans in Hilo, Hawaii, don’t need a maximum out-of-pocket limit. Medigap offers good coverage, and your annual medical expenses will not exceed $5,000.
People with high medical bills can benefit by purchasing a Medigap plan.
Can Medigap charge more for pre-existing conditions in Hilo, Hawaii?
In Hilo, Hawaii, Medigap can’t charge more or deny coverage for pre-existing conditions if you’re in the Open Enrollment Period or a Guarantee Issue window. You may have to wait up to six months for your coverage to begin.
During the waiting period, you can use your Medicare benefits except those related to the pre-existing condition; Original Medicare will cover your pre-existing condition.
How to sign up for supplemental Medicare in Hilo
Our experienced agents can help you enroll in Hilo, Hawaii Medicare Advantage, Medigap, or Part D plans. We compare multiple plans from different carriers to find the best one for you.
The agents you’ll interact with are incredibly knowledgeable, and their time is free for anyone who requires it.
Call us today or fill out our online rate form to be connected with the best rates in Hilo.
