There are 186,354 total beneficiaries with Hawaii Medicare Part D. Of this number, 72,067 are standalone Part D beneficiaries, while 121,692 plan holders have enrolled through a drug plan from Medicare Advantage.

Hawaii Medicare Part D plans for 2024

Part D policies are a subset of Medicare coverage plans that pay for name-brand and generic prescription medications. Private carriers offer standalone programs, and Medicare Advantage plans with drug coverage.

The following sections will detail Hawaii Medicare Part D plans with the lowest premium in the state, programs with a zero-dollar deductible, plans with gap coverage, and those providing low-income givebacks.

Part D plans with the lowest premium in Hawaii

Several Hawaii Medicare Part D plans have reasonable premiums. Unfortunately, low-cost plans typically don’t include gap coverage.

Aetna offers a plan for $7.80 per month. Patients pay a $480 deductible for three-star performance; no additional gap coverage exists.

Wellcare provides a plan with an $8.50 monthly premium. The plan’s three-star rating indicates decent performance and benefits for the money. Hawaiian patients pay a $480 deductible before receiving complete coverage.

UnitedHealthcare offers a prescription drug plan for $10.40. You’ll pay a $310 deductible. This plan does include gap coverage, gaining it a four-star rating among beneficiaries.

Aetna $7.80 $480 3 No
Wellcare $8.50 $480 3 No
UnitedHealthcare $10.40 $310 4 Yes
Clear Spring Health $16.70 $480 2 No
Humana $22.70 $480 4 No

Part D plans with a zero-dollar deductible in Hawaii

Zero-dollar deductibles mean no waiting time for prescription coverage. Zero-dollar to low-cost deductibles often accompany high premiums.

A plan from Wellcare will cost Hawaiians $69. However, they’ll pay no deductible. This plan features no gap coverage but still gets three stars for performance.

Aetna offers a premium of $78.40 for prescription coverage. It does include gap coverage, but the plan nets only three stars.

The third option from UnitedHealthcare requires a $96.90 premium, a zero-dollar deductible, and a three-star rating. Patients do get gap coverage.

Wellcare $69.00 $0 3 No
Aetna $78.40 $0 3 Yes
UnitedHealthcare $96.90 $0 3 Yes

Part D plans with gap coverage in Hawaii

Plans offering Part D with gap coverage in Hawaii ensure your prescriptions stay affordable after reaching the coverage limit. The following programs include gap coverage.

A plan from UnitedHealthcare costs $10.40 and requires a $310 deductible. A four-star rating indicates the plan’s high performance.

Cigna has a plan for $64.10 per month with a deductible of only $100. Hawaiian beneficiaries choose this plan for its gap coverage and affordability.

Another UnitedHealthcare plan costs patients $96.90. This plan features a three-star rating but does include gap coverage; however, you’ll pay no deductible.

UnitedHealthcare $10.40 $310 4 Yes
Cigna $64.10 $100 3 Yes
Aetna $78.40 $0 3 Yes
UnitedHealthcare $96.90 $0 3 Yes

Part D plans with a Low-Income Subsidy in Hawaii

There are 43,604 Hawaii Medicare Part D beneficiaries eligible for low-income subsidies. Plans with the Extra Help program keep costs low. Unfortunately, these plans don’t offer gap coverage.

Aetna offers a plan for $25.60 with a three-star rating, which indicates decent satisfaction. Patients must meet a $480 deductible before getting full benefits.

Clear Spring Health features a $29.40 plan with a $480 deductible. Although this plan offers no gap coverage and features a lower rating, its low cost makes it worthwhile.

A Cigna plan featuring a three-star rating costs $33.50. Patients pay a $480 deductible.

Aetna $25.60 $480 3 No
Clear Spring Health $29.40 $480 2 No
Wellcare $31.30 $480 3 No
Cigna $33.50 $480 3 No
UnitedHealthcare $34.00 $480 4 No

Amount of beneficiaries that fall into each Part D coverage phase in Hawaii

There are four coverage phases with Part D Medicare. In the Coverage Gap Phase or “donut hole,” you pay a portion of your prescription costs after reaching the maximum expense limit. The figures in the following chart represent the beneficiaries currently in each phase.

Deductible Phase Initial Coverage Phase Coverage Gap Phase Catastrophic Phase
39,749 55,336 13,261 10,565

Hawaiian cities with Medicare Supplement coverage’s estimated premiums

The following cities have charts illustrating premium estimates for Medigap coverage in Hawaii.:


What is Medicare Part D in Hawaii?

Hawaii Medicare Part D is a type of coverage that covers prescription costs. Patients can enroll in a plan through Medicare or choose a standalone Medicare Advantage plan from a private carrier to get coverage.

You’ll get coverage for generic prescriptions and brand-name medications. Sometimes, your prescription coverage may include Special Medical Equipment (SME) such as blood glucose meters.

Do I need to get Part D in Hawaii if I don’t take any drugs?

Part D isn’t a requirement in Hawaii. If you don’t take any medications, you can choose not to enroll. However, you may get a fine for signing up late if you don’t have a prescription drug plan. It’s best to enroll when first eligible to avoid these fees.

What are the four phases of Part D coverage in Hawaii?

The four phases of Part D coverage in Hawaii include the Deductible Phase, the Initial Coverage Phase, the Coverage Gap Phase, and the Catastrophic Phase. Depending on your phase, you may pay a certain percentage of your prescriptions. Some Part D plans include coverage for the Gap Coverage Phase to prevent this.

Is Medicare Part D optional or mandatory in Hawaii?

In Hawaii, Medicare Part D is optional. However, because there are specific enrollment periods, it’s wise to enroll even if it seems unnecessary. You’ll avoid late penalties and have coverage if you ever need prescriptions.

What happens if I refuse Medicare Part D in Hawaii?

You won’t have prescription drug coverage by refusing Medicare Part D in Hawaii. If you don’t already have another form of drug coverage, you’ll get a 1% late enrollment charge for every month you didn’t enroll if you eventually register.

Some patients may be eligible to enroll during a Special Enrollment Period.

How to get help signing up for a Medicare Part D plan in Hawaii

To get assistance signing up for Hawaii Medicare Part D, visit to learn more about Plan D plans in your area. Our experts have all the insight into Part D plans and more. We work with the top carriers in Hawaii and provide a free Medicare Part D plan comparison service.

Detail your requirements for a plan, and we’ll find you the perfect option. Whether you need low premiums or no deductible, we can locate a plan that fits your medical needs and stays within your budget.

Contact us by phone, or fill out our online quote form to get rates today!

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