There are 241,602 Honolulu residents currently in Original Medicare. Of the 241,602 beneficiaries, 131,073 (54.25%) bought a Honolulu, Hawaii, Medicare Advantage plan.
We’ll explore these plans, their advantages, and how they cover your medical expenses.
Medicare plans in Honolulu, Hawaii
Honolulu, Hawaii Supplemental Medicare plans help cover the cost of specific medical bills and procedures that you usually pay out-of-pocket. They fill gaps within your Original Medicare policy, making certain healthcare services more affordable.
We based the following information on 70-year-old female beneficiaries.
Medicare Advantage plans
As stated above, 54.25% of Honolulu, Hawaii, Original Medicare enrollees also purchased a Medicare Advantage plan. Honolulu residents can choose among 18 different MA plans, each providing unique benefits.
Humana offers four-star 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 program has a $0 deductible. There’s also a $0 copay for in-network primary care provider visits.
also offers four-star local PPO Medicare Advantage plans without premiums. These plans also have a $6,700 MOOP. There’s only a $5 copay for primary care provider visits and no referrals for specialists.
HMSA Akamai provides four-star local PPO plan types with zero-dollar premiums and a $7,550 MOOP. This plan has a $0 deductible. It also includes some prescription drug coverage.
The average cost of Medicare Advantage plans in Honolulu, Hawaii
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Humana | $0 | $7,550 | LOCAL PPO | 4 |
| Wellcare | $0 | $5,700 | HMO | 3 |
| $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
Medigap plans help pay for specific healthcare costs not covered by Original Medicare in Honolulu, Hawaii. Since the United States government standardizes Medicare Supplement plans nationwide, their benefits don’t change among states, carriers, or regions.
However, their premiums usually vary from state to state, zip code to zip code, and provider to provider.
Many Honolulu residents purchase Medigap Plan G due to its comprehensive coverage and affordability. Premiums range from $122.74 to $368.17, but this plan doesn’t cover the Part B deductible.
Medigap Plan F is another renowned plan type since it’s the most comprehensive Medigap plan currently available in Honolulu. Premiums cost between $172.62 to $412.37. This plan does cover the part B deductible.
Medigap Plan N is another comprehensive plan that sports affordable premiums. Enrollees pay between $102.63 to $212.12, and it covers neither the Part B deductible nor Part B excess charges.
The average cost of Medicare Supplement plans in Honolulu, Hawaii
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $109.87 | $318.46 |
| PLAN B | $145.06 | $329.87 |
| PLAN C | $171.63 | $389.87 |
| PLAN D | $140.76 | $294.19 |
| PLAN F | $172.62 | $412.37 |
| PLAN HDF | $43.00 | $54.16 |
| PLAN G | $122.74 | $368.17 |
| PLAN HDG | $40.24 | $49.73 |
| PLAN K | $58.83 | $113.50 |
| PLAN L | $96.04 | $218.87 |
| PLAN M | $118.25 | $235.43 |
| PLAN N | $102.63 | $212.12 |
Medicare Part D prescription drug plans
Many Honolulu, Hawaii, Medicare beneficiaries purchase an independent Medicare Part D plan to help cover the costs of their prescription drugs. Since Medigap plans don’t include medication coverage, and only a few Medicare Advantage plans do, buying a Medicare Part D plan from a private insurance provider is a great way to save on your pharmaceuticals.
Aetna Medicare Part D plans enjoy a three-star rating and are some of the most affordable plans currently available. They carry $7.80 premiums and a $480 annual deductible. With these plans, beneficiaries pay as little as $1 for many Tier 1 drugs.
provides four-star Medicare Part D plans with $10.40 monthly premiums and a $310 annual deductible, and 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.
Humana also offers four-star Medicare Part D plans with $22.70 premiums and a $480 annual deductible. Beneficiaries must also pay the Medicare Part B premium. The plan has a $0 deductible for Tier 1 and 2 drugs.
The average cost of Medicare Part D plans in Honolulu, Hawaii
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING |
| Aetna | $7.80 | $480 | 3 |
| Wellcare | $8.50 | $480 | 3 |
| $10.40 | $310 | 4 | |
| Clear Spring | $16.70 | $480 | 2 |
| Humana | $22.70 | $480 | 4 |
Special Needs plans
Special Needs Plans, commonly called SNPs, are a subset of Medicare Advantage plans that provide additional coverage to Honolulu, Hawaii, residents on Medicare with chronic disabilities or special needs. Although many qualified beneficiaries benefit greatly from Special Needs Plans, they are only available in specific zip codes.
Wellcare offers beneficiaries with dual eligibility HMO (Health Maintenance Organization) Special Needs Plans with zero-dollar premiums and a $3,450 MOOP. These comprehensive plans cover vision, dental, hearing, and prescription drugs. They also have $0 copays for in-network care.
carries regional PPO Special Needs Plans without premiums and a $7,550 MOOP. Beneficiaries must have 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. Enrollees must have Medicaid and Medicare to qualify (dual eligibility). These plans have a four-star rating.
The average cost of Medicare Special Needs plans in Honolulu, Hawaii
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Wellcare | $0 | $3,450 | HMO | Dual |
| $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 Honolulu
Whether you need a Honolulu, Hawaii Medicare Advantage plan, Part D coverage, or a Medigap plan, the agents at Medigap.com can help.
Our insurance experts work with Honolulu’s top private insurance carriers and can help you discover Supplemental Medicare plans for you and your family free of charge.
Give us a call now. Or complete our online rate form to get current Honolulu rates!
