Many people register for Original Medicare and a Supplemental Medicare plan in Kailua, Hawaii, each year. Supplemental Medicare helps pay for healthcare expenses you’d otherwise pay out of pocket, saving you money.

We’ll explore numerous Kailua, Hawaii Supplemental Medicare plans and their benefits so you can find the perfect plan for you and your aging relatives.

Kailua, Hawaii Supplemental Medicare Plans

Supplemental Medicare plans fill holes within your Original Medicare policy. They help cover the costs of dental, hearing, vision, and other healthcare services that Original Medicare doesn’t cover. We based the following information on 70-year-old male beneficiaries.

Affordable Medicare Advantage Plans in Kailua, Hawaii

Purchasing a Kailua, Hawaii Medicare Advantage plan from a private insurance provider is a fantastic way to make your healthcare bills more reasonable. Kailua residents have nine different Medicare Advantage plans, each providing unique coverage and benefits. Below are some excellent Kailua, Hawaii Medicare Advantage plans.

Humana is a trusted Part C plan provider that offers four-star local PPO (Preferred Provider Organization) policy types with zero-dollar premiums and a $7,550 MOOP. For in-network care, the plan has a $0 deductible. There’s also a $0 copay for in-network primary care provider visits.

HMSA Akamai also carries four-star local PPO Medicare Advantage plans without premiums and a $6,700 MOOP. This plan has a $0 deductible. It also includes some prescription drug coverage.

WellCare provides three-star HMO (Health Maintenance Organization) Medicare Advantage plan types with zero-dollar premiums and a $5,700 MOOP. The plan covers vision, dental, hearing, and some prescription drugs. Under this plan, doctor costs typically only cost up to $25.

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
Humana $0 $6,700 LOCAL PPO 4

Average Medicare Supplement Plans in Kailua, Hawaii

Medigap/Medicare Supplement plans are government-standardized plans that make specific healthcare services more economical. The coverage doesn’t change among states, insurance providers, or zip codes since the US government standardizes these plans nationwide. However, Medigap/Medicare Supplement plan premiums often vary among regions, carriers, and states.

Medigap Plan G is extremely popular in Kailua due to its comprehensive coverage and inexpensive cost. Beneficiaries pay between $122.74 and $368.17 a month. This plan doesn’t cover the Part B deductible, however.

Medigap Plan N is another affordable policy that provides extensive coverage to qualified enrollees. Monthly premiums range between $110.77 and $212.12, and it covers neither the Part B deductible nor Part B excess charges.

Medigap Plan F is the most inclusive Kailua, Hawaii Medicare Supplement plan currently available. Premiums cost between $178.50 and $463.05. This plan does cover the part B deductible.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $111.52 $353.85
PLAN B $161.80 $329.87
PLAN C $191.43 $389.87
PLAN D $155.04 $338.15
PLAN F $178.50 $463.05
PLAN HDF $47.50 $60.18
PLAN G $122.74 $368.17
PLAN HDG $44.72 $55.20
PLAN K $58.83 $113.50
PLAN L $107.12 $225.83
PLAN M $131.90 $261.60
PLAN N $110.77 $212.12

Affordable Medicare Part D in Kailua, Hawaii

Since Medigap plans don’t include prescription drug coverage, and only a select number of Medicare Advantage plans help cover the cost of medications, many Kailua residents buy a Medicare Part D plan to pay for their prescriptions.

Medicare Part D plans are independent policies that make your pharmaceuticals less costly. You can purchase a Medicare Part D plan through your local private insurance carrier.

Aetna offers three-star Medicare Part D plans with $7.80 premiums and a $480 annual deductible. These plans currently carry the lowest monthly premiums. With these plans, beneficiaries pay as little as $1 for many Tier 1 drugs.

Clear Spring provides two-star Medicare Part D plans with $16.70 monthly premiums and a $480 deductible. This deductible doesn’t apply to Tier 1 and 2 drugs. With a preferred pharmacy, these drugs can be as little as $5 for a 30-day supply.

UnitedHealthcare carries four-star Medicare Part D plans sporting $10.40 premiums and a $310 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.

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 Kailua, Hawaii

SNPs, also known as Special Needs Plans, are a subset of Medicare Advantage plans tailored for Kailua residents with learning disabilities and disabling conditions. Although many people benefit from Special Needs Plans, they are only available in specific zip codes.

WellCare offers HMO Special Needs Plans with zero-dollar premiums and a $3,450 MOOP. Beneficiaries must have both Medicare and Medicaid to qualify (dual eligibility). These comprehensive plans cover vision, dental, hearing, and prescription drugs, and they also have $0 copays for in-network care.

UnitedHealthcare carries regional PPO Special Needs Plans without premiums and a $7,550 MOOP. These plans require 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. Beneficiaries must enroll in Medicare and Medicaid before purchasing (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

Who pays for Medigap in Kailua, Hawaii?

Beneficiaries pay a monthly premium to reap the benefits of a Medigap plan in Kailua. You can purchase a Medigap plan through your local private insurance provider.

There are several Medigap plans to choose from, so thoroughly research each policy before committing to a specific policy.

What is the least expensive Medicare Supplement plan in Kailua, Hawaii?

Medigap Plan K is the most affordable Kailua, Hawaii Medicare Supplement plan. However, it provides limited coverage compared to other Medicare Supplement policies.

Medigap Plan G and Plan K offer extensive coverage with slightly higher monthly premiums.

How common are Medicare Part B excess charges in the Kailua, Hawaii area?

Medicare Part B excess charges are exceedingly rare since 96% of United States doctors accept Medicare. To avoid these fees, ensure you only visit a doctor that participates with Medicare.

What does Medicare Part A cover in Kailua, Hawaii?

Medicare Part A is often referred to as hospital insurance since it helps cover the cost of hospitalization, hospice care, and similar healthcare services. Most people over 65 receive Part A through Social Security.

What does Medicare Part B cover in Kailua, Hawaii?

Kailua, Hawaii Medicare Part B acts as medical insurance. It pays for routine doctor’s visits, medical equipment, lab work, diagnostic testing, and more.

How to Sign Up for Supplemental Medicare in Kailua

Medigap.com can help you find a high-quality Kailua, Hawaii Supplemental Medicare plan. Our team works with all the front-running Kailua private insurance providers, making the enrollment process simple and stress-free.

We will help you compare various Supplemental Medicare policies to find the perfect plan for your specific medical needs.

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

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.