There are 241,602 Honolulu residents currently in Original Medicare. Of the 241,602 beneficiaries, 131,073 (54.25%) bought a Honolulu, Hawaii Medicare Advantage plan.

We’ll explore these plans, their advantages, and how they cover your medical expenses.

Honolulu, Hawaii Supplemental Medicare Plans

Honolulu, Hawaii Supplemental Medicare plans help cover the cost of specific medical bills and procedures that you usually pay out-of-pocket. They fill gaps within your Original Medicare policy, making certain healthcare services more affordable.

We based the following information on 70-year-old female beneficiaries.

Cheapest Medicare Advantage Plans in Honolulu, Hawaii

As stated before, 54.25% of Honolulu, Hawaii Original Medicare enrollees also purchased a Medicare Advantage plan. Honolulu residents can choose among 18 different MA plans, each providing unique benefits.

Humana offers four-star local PPO (Preferred Provider Organization) Medicare Advantage plans with zero-dollar premiums and a $7,550 MOOP (Maximum Out-of-Pocket). For in-network care, the program has a $0 deductible. There’s also a $0 copay for in-network primary care provider visits.

UnitedHealthcare also offers four-star local PPO Medicare Advantage plans without premiums. These plans also have a $6,700 MOOP. There’s only a $5 copay for primary care provider visits, and no referrals are required for specialists.

HMSA Akamai provides four-star local PPO plan types with zero-dollar premiums and a $7,550 MOOP. This plan has a $0 deductible. It also includes some prescription drug coverage.

PLAN PREMIUM MOOP Plan Type Star Rating
Humana $0 $7,550 LOCAL PPO 4
Wellcare $0 $5,700 HMO 3
UnitedHealthcare $0 $6,700 LOCAL PPO 4
HMSA Akamai $0 $6,700 LOCAL PPO 4
Wellcare $0 $7,550 LOCAL PPO N/A

Affordable Medicare Supplement Plans in Honolulu, Hawaii

Medigap plans help pay for specific healthcare costs not covered by Original Medicare in Honolulu, Hawaii. Since the United States government standardizes Medicare Supplement plans nationwide, their benefits don’t change among states, carriers, or regions.

However, their premiums usually vary from state to state, zip code to zip code, and provider to provider.

Many Honolulu residents purchase Medigap Plan G due to its comprehensive coverage and affordability. Premiums range from $122.74 to $368.17, but this plan doesn’t cover the Part B deductible.

Medigap Plan F is another renowned plan type since it’s the most comprehensive Medigap plan currently available in Honolulu. Premiums cost between $172.62 to $412.37. This plan does cover the part B deductible.

Medigap Plan N is another comprehensive plan that sports affordable premiums. Enrollees pay between $102.63 to $212.12, and it covers neither the Part B deductible nor Part B excess charges.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $109.87 $318.46
PLAN B $145.06 $329.87
PLAN C $171.63 $389.87
PLAN D $140.76 $294.19
PLAN F $172.62 $412.37
PLAN HDF $43.00 $54.16
PLAN G $122.74 $368.17
PLAN HDG $40.24 $49.73
PLAN K $58.83 $113.50
PLAN L $96.04 $218.87
PLAN M $118.25 $235.43
PLAN N $102.63 $212.12

Average Medicare Part D in Honolulu, Hawaii

Many Honolulu, Hawaii Medicare beneficiaries purchase an independent Medicare Part D plan to help cover the costs of their prescription drugs. Since Medigap plans don’t include medication coverage, and only a few Medicare Advantage plans do, buying a Medicare Part D plan from a private insurance provider is a great way to save on your pharmaceuticals.

Aetna Medicare Part D plans enjoy a three-star rating and are some of the most affordable plans currently available. They carry $7.80 premiums and a $480 annual deductible. With these plans, beneficiaries pay as little as $1 for many Tier 1 drugs.

UnitedHealthcare provides four-star Medicare Part D plans with $10.40 monthly premiums and a $310 annual deductible. Under these plans, beneficiaries pay a $0 copay for Tier 1 drugs. Through cost-sharing with a preferred pharmacy network, copays for higher-tier drugs remain low.

Humana also offers four-star Medicare Part D plans with $22.70 premiums and a $480 annual deductible. Beneficiaries must also pay the Medicare Part B premium. The plan comes with a $0 deductible for Tier 1 and 2 drugs.

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 Honolulu, Hawaii

Special Needs Plans, commonly called SNPs, are a subset of Medicare Advantage plans that provide additional coverage to Honolulu, Hawaii, residents on Medicare with chronic disabilities or special needs. Although many qualified beneficiaries benefit greatly from Special Needs Plans, they are only available in specific zip codes.

Wellcare offers beneficiaries with dual eligibility HMO (Health Maintenance Organization) Special Needs Plans with zero-dollar premiums and a $3,450 MOOP. These comprehensive plans cover vision, dental, hearing, and prescription drugs. They also have $0 copays for in-network care.

UnitedHealthcare carries regional PPO Special Needs Plans without premiums and a $7,550 MOOP. Beneficiaries must have Medicaid and Medicare to qualify (dual eligibility). Under these plans, beneficiaries pay a $0 copay for many prescription drugs.

HMSA Akamai provides local PPO SNPs with zero-dollar premiums and a $6,700 MOOP. Enrollees must have Medicaid and Medicare to qualify (dual eligibility). These plans have a four-star rating.

PLAN PREMIUM MOOP Plan Type Eligibility
Wellcare $0 $3,450 HMO Dual
UnitedHealthcare $0 $7,550 REGIONAL PPO Dual
Kaiser Permanente $0 $7,550 HMO Dual
HMSA Akamai $0 $6,700 LOCAL PPO Dual
AlohaCare $32.70 $7,550 HMO Dual

FAQs

Do Medigap premiums go up every year in Honolulu, Hawaii?

Many factors determine the price of your Honolulu, Hawaii Medicare Supplement monthly premiums, including your gender, age, state, and provider.

An older resident who currently uses tobacco will likely pay a higher monthly premium than a younger tobacco-free beneficiary. However, some private insurance providers raise their Medigap plans yearly.

How are Medigap rates determined in Honolulu, Hawaii?

As stated previously, numerous factors determine your Medigap premium rates. Your age, gender, location, and private insurance carrier impact your monthly premium price.

It’s best to contact your provider to find out more about your monthly premium expenses.

Who qualifies for Medigap insurance in Honolulu, Hawaii?

Any resident 65 years old or older qualifies for Medigap Insurance in Honolulu, Hawaii. Citizens under 65 with a disability are also eligible for Medigap insurance.

Hawaii is one of the only states that offer disabled residents under 65 the same Medigap insurance policies as 65-year-old beneficiaries without charging higher premiums.

Which Medigap offers the most coverage in Honolulu, Hawaii?

Medigap Plan F is the most comprehensive plan currently available in Honolulu, Hawaii. Medigap Plan G and Medigap Plan N also provide coverage and are exceedingly popular among Honolulu residents.

It’s best to talk to your local private insurance provider to learn which Medigap plan works best for you.

Does Medicare cover emergency room visits in Honolulu, Hawaii?

Yes. Honolulu, Hawaii Medicare covers the cost of emergency room visits. Medicare coverage applies nationwide, allowing beneficiaries to visit any hospital or emergency room in the country without paying out of pocket.

However, Medicare doesn’t cover emergency room visits in most foreign countries.

How to Sign Up for Supplemental Medicare in Honolulu

Whether you need a Honolulu, Hawaii Medicare Advantage plan, Part D coverage, or a Medigap plan, the agents at Medigap.com can help.

Our insurance experts work with Honolulu’s top private insurance carriers and can help you discover Supplemental Medicare plans for you and your family free of charge.

Give us a call now. Or complete our online rate form to get current Honolulu rates!

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. 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 Medigap.com. 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.