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.
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.
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING | GAP COVERAGE |
| Aetna | $7.80 | $480 | 3 | No |
| Wellcare | $8.50 | $480 | 3 | No |
| $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 requires a $96.90 premium, a zero-dollar deductible, and a three-star rating. Patients do get gap coverage.
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING | GAP COVERAGE |
| Wellcare | $69.00 | $0 | 3 | No |
| Aetna | $78.40 | $0 | 3 | Yes |
| $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 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 plan costs patients $96.90. This plan features a three-star rating but does include gap coverage; however, you’ll pay no deductible.
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING | GAP COVERAGE |
| $10.40 | $310 | 4 | Yes | |
| Cigna | $64.10 | $100 | 3 | Yes |
| Aetna | $78.40 | $0 | 3 | Yes |
| $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.
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING | GAP COVERAGE |
| 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 |
| $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.:
FAQs
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 Medigap.com 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!
