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Medicare Supplement Insurance Plans in Hawaii


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What is a Medicare Supplement insurance plan?

In Hawaii, like the rest of the country, a Medicare Supplement insurance plan may help fill in some of the gaps in Original Medicare, Part A and Part B. Also known as Medigap, these plans are designed to offer coverage for certain costs that Original Medicare doesn’t pay for, such as copayments, coinsurance, and deductibles. Other out-of-pocket expenses may also be covered, depending on the plan, including emergency medical services provided outside of the country and Medicare Part B excess charges.

As in other states, Medicare Supplement insurance plans in Hawaii are used with Original Medicare, Part A and Part B. They are not meant to be stand-alone plans. Unlike Medicare Advantage plans, Medigap plans don’t cover benefits like routine vision, dental, hearing, or prescription drugs. You must stay enrolled in Original Medicare, Part A and Part B, for your hospital and medical coverage. If you want prescription drug coverage, you may enroll in a stand-alone Medicare Prescription Drug Plan.

Enrolling in a Medicare Supplement insurance plan in Hawaii

When it comes to purchasing a Medicare Supplement insurance plan in Hawaii, the timing of your enrollment may impact how much you pay for coverage and whether an insurance company accepts you. If you enroll during your Medigap Open Enrollment Period, you have a guaranteed-issue right to enroll in any Medigap plan, regardless of pre-existing conditions*. This six-month period is the best time to enroll in a Medigap plan; it starts automatically on the first day of the month that you’re both enrolled in Medicare Part B and age 65 or older.

During this time, insurance companies offering Medigap plans are not allowed to charge higher premiums to beneficiaries based on their medical history. They are also prohibited from denying coverage for that same reason. After the Medigap Open Enrollment Period has passed, Medigap insurance companies may take medical history and pre-existing conditions* into consideration, which may impact premiums or even whether Medigap coverage is available to you.

Choosing Medicare Supplement insurance plans in Hawaii

Like the rest of the country, Medicare Supplement insurance plans in Hawaii are offered by private insurance companies. Medigap plans are categorized according to the type of benefits offered. Each of the 10 standardized plans is designated by the letters A through N. All plans that fall under a specific letter category will offer identical benefits, regardless of the insurance company you purchase from. However, the costs of individual plans may vary, based on the company offering the plan and the plan’s location.

If you’re interested in Medicare Supplement insurance, you can start by deciding on the level of coverage you need. From there, it’s a good idea to shop around. As mentioned, since Medigap benefits are standardized, premium costs are often the main difference between plans. Taking the time to compare plans in your area will help ensure you’re getting the best value for your coverage.

You can type your zip code into the form on this page to see a list of Medicare Supplement insurance plans in your vicinity.

*Pre-existing conditions are generally health conditions that existed before the start of a policy. They may limit coverage, be excluded from coverage, or even prevent you from being approved for a policy; however, the exact definition and relevant limitations or exclusions of coverage will vary with each plan, so check a specific plan’s official plan documents to understand how that plan handles pre-existing conditions.

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