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.

Pearl City, Hawaii Supplemental Medicare Plans

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.

Average Medicare Advantage Plans in Pearl City, Hawaii

Pearl City residents can choose among 18 different Medicare Advantage plans. Each plan has its 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. The 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.

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

Cheapest Medicare Supplement Plans in Pearl City, Hawaii

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 available 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. For those who don’t expect to need frequent care, this may be a good option.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
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

Affordable Medicare Part D in Pearl City, Hawaii

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. This establishes 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. Through cost-sharing with a preferred pharmacy network, copays for higher-tier drugs also 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 Pearl City, Hawaii

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. They also have $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.

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

Is Medigap better than an Advantage plan in Pearl City, Hawaii?

It depends on the medical coverage you need. Medigap plans prevent most out-of-pocket healthcare expenses like copays, coinsurance, and deductibles, while Medicare Advantage plans act as a viable alternative to Original Medicare.

Research each policy type to learn which plan works best for you.

Which Medigap offers the most coverage in Pearl City, Hawaii?

Medigap Plan F is the most comprehensive policy currently available in Pearl City, Hawaii. Premiums cost between $137.32 and $412.37.

Can I change my Medigap policy at any time in Pearl City, Hawaii?

Yes. You can change your Pearl City Medigap policy at any time. However, changing it may lead to limitations that didn’t affect your original plan.

It’s best to contact an insurance agent to ensure you change your policy correctly without encountering additional fees or restrictions.

Are Medigap premiums based on income in Pearl City, Hawaii?

Private insurance providers set your Medigap premium prices. Most carriers price premiums one of three ways:

  • Community-rated
  • Issue-age-rated
  • Attained-age-rated

Premiums typically change among zip codes and providers, so research Medigap plans in your area to find a high-quality plan that fits your financial circumstances.

How much does a person on disability pay for Medicare in Pearl City, Hawaii?

Disabled beneficiaries must pay Medicare premiums, copays, deductibles, and coinsurance to receive medical benefits.

However, enrollees may receive financial assistance through a Medicare program if they qualify.

How to Sign Up for Supplemental Medicare in Pearl City

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

Give us a call today or complete our online rate form to get current Pearl City, Hawaii Supplemental Medicare rates today!

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert 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.