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.
Medicare plans in Kailua, Hawaii
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.
Medicare Advantage plans
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 offering four-star local PPO (Preferred Provider Organization) policy types with zero 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.
The average cost of Medicare Advantage plans in Kailua, Hawaii
| 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 |
Medicare Supplement plans
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 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, covering 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.
The average cost of Medicare Supplement plans in Kailua, Hawaii
| 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 |
Medicare Part D prescription drug plans
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.
The average cost of Medicare Part D plans in Kailua, Hawaii
| 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 |
Special Needs plans
SNPs, or 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.
The average cost of Medicare Special Needs plans in Kailua, Hawaii
| 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 |
How to sign up for Medicare plans 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!
