Original Medicare makes specific hospital and medical payments more affordable. However, Original Medicare in Pearl City, Hawaii, doesn’t cover every healthcare service, requiring you to pay for several treatments like dental and vision out of pocket.

That’s why numerous citizens turn to a Pearl City, Hawaii Supplemental Medicare plan to cover gaps within their Original Medicare policies.

Medicare plans in Pearl City, Hawaii

Purchasing a Pearl City, Hawaii, Supplemental Medicare plan is a great way to make specific medical costs more economical. They help pay for your medical needs not covered by Original Medicare, providing more coverage for a small monthly fee.

The following information focuses on 65-year-old female beneficiaries.

Medicare Advantage plans

Pearl City residents can choose among 18 Medicare Advantage (Part C) plans. Each program has advantages, so research each policy before buying a specific one. The following are a few popular Pearl City, Hawaii, Medicare Advantage plans.

Humana carries 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 plan has a $0 deductible. There’s also a $0 copay for in-network primary care provider visits.

WellCare provides HMO (Health Maintenance Organization) Medicare Advantage plans without premiums and a $5,700 MOOP. The insurance provider also offers unrated local PPO plan types with zero-dollar premiums and a $7,550 MOOP, and these plans cover vision, dental, hearing, and some prescription drugs. Under these plans, doctor costs typically only cost up to $25.

HMSA Akamai Medicare Advantage plans carry a four-star rating with zero-dollar premiums and a $6,700 MOOP. This plan has a $0 deductible. It also includes some prescription drug coverage.

The average cost of Medicare Advantage plans in Pearl City, 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
Wellcare $0 $7,550 LOCAL PPO N/A

Medicare Supplement plans

Medicare Supplement/Medigap plans protect beneficiaries from expensive medical bills by covering specific payments not included in Original Medicare.

The United States government standardizes Medicare Supplement/Medigap plans, preventing coverage from fluctuation among states, private insurance providers, and zip codes. However, these plans’ premiums typically change from region to region, carrier to carrier, and state to state.

Medigap Plan N is one of the most popular plans in Pearl City since it provides immense coverage for an affordable monthly rate. Premiums cost between $87.30 and $212.12. It covers neither the Part B deductible nor Part B excess charges.

Medigap Plan F provides the most coverage of all the Medicare Supplement policies, making it the preferred plan for many Pearl City residents. Monthly premiums range from $137.32 to $412.37. This plan does cover the part B deductible.

Medigap Plan HDF, commonly called high deductible Plan F, provides similar coverage as Medigap Plan F but with lower premiums. Beneficiaries pay $32 to $44.70 monthly. This Medigap plan may be a good option for those who don’t expect to need regular care.

The average cost of Medicare Supplement plans in Pearl City, Hawaii

PLAN A $87.40 $316.75
PLAN B $115.39 $329.87
PLAN C $136.53 $389.87
PLAN D $112.25 $248.19
PLAN F $137.32 $412.37
PLAN HDF $32.00 $44.70
PLAN G $109.65 $368.17
PLAN HDG $32.00 $42.07
PLAN K $47.28 $113.50
PLAN L $76.40 $218.87
PLAN M $94.07 $188.97
PLAN N $87.30 $212.12

Medicare Part D prescription drug plans

Since only a few Medicare Advantage plans include prescription coverage, and Medigap plans don’t cover medications, several beneficiaries buy a standalone Medicare Part D plan to lower the cost of prescription drugs.

Private insurance carriers sell Medicare Part D plans, so contact your local provider if you want to purchase an independent Medicare Part D policy.

Aetna sells three-star Pearl City, Hawaii, Medicare Part D plans with $7.80 premiums and a $480 annual deductible. These low prices establish them as the most affordable plans currently available. With these plans, beneficiaries pay as little as $1 for many Tier 1 drugs.

Clear Spring Medicare Part D plans have a two-star rating and carry $16.70 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 provides four-star Medicare Part D plans with $10.40 premiums and a $310 deductible. Under these plans, beneficiaries pay a $0 copay for Tier 1 drugs, and with cost-sharing with a preferred pharmacy network, copays for higher-tier drugs remain low.

The average cost of Medicare Part D plans in Pearl City, Hawaii

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

Medicare Special Needs Plans (SNPs) are a subdivision of Medicare Advantage plans designed for residents with mental deficiencies and disabling conditions. Although most qualified enrollees benefit greatly from SNPs, they are only available in specific zip codes.

WellCare carries HMO Special Needs Plans without premiums and a $3,450 MOOP. Recipients must have Medicare and Medicaid to qualify (dual eligibility). These comprehensive plans cover vision, dental, hearing, and prescription drugs, with $0 copays for in-network care.

UnitedHealthcare offers regional PPO SNPs with zero-dollar premiums and a $7,550 MOOP. Beneficiaries must enroll in Medicaid and Medicare to qualify. Under these plans, beneficiaries pay a $0 copay for many prescription drugs.

HMSA Akamai provides residents with dual eligibility local PPO Special Needs Plans with zero-dollar premiums and a $6,700 MOOP. These plans have a four-star rating. They also include $2,500 for dental services.

The average cost of Medicare Special Needs plans in Pearl City, 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 Pearl City

Medigap.com makes signing up for Pearl City, Hawaii Supplemental Medicare easier. Our team works with Pearl City’s leading private insurance providers and can help you compare policies available in your zip code.

Call us today or complete our online rate form to get current Pearl City, Hawaii, Supplemental Medicare 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.