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Top Medicare Supplement Plans in Hawaii – Overview Guide

You may consider comparing rates for Medicare Supplement plans in Hawaii once you’re enrolled in Medicare Part A and Part B. These Medicare Supplement plans are often referred to as Medigap policies because they cover the gaps that are left from Original Medicare.

For instance, a Medicare Supplement plan in Hawaii may cover your Medicare deductibles, copayments and coinsurance payments. Some Medigap plans will also cover Medicare Part B excess charges and/or medical expenses charged overseas. You can compare rates online to make sure that you select the best Medicare Supplement plan in Hawaii, but there are some things that you must know before taking that step. This page will tell you everything that you need to know to make an informed decision.

What is Medicare Supplement Insurance in Hawaii?

Medicare Supplement plans in Hawaii help fill in the gaps in coverage after Original Medicare (Medicare Part A and Medicare Part B) pays the approved 80% of health care charges. They are also called Medigap plans. Some Medicare costs paid by Medigap insurance might be:

  • Part B Coinsurance and copayments
  • Medicare Part A deductible and coinsurance. The Part A deductible of $1,484 will be charged for each hospitalization in 2021
  • Medicare Part D plan Copayments

Medicare Supplement Plans in Hawaii are important because Original Medicare places no limits on how much out-of-pocket expense a Medicare recipient must pay. Medigap plans work alongside Original Medicare and are only available to people who are on Medicare Part B and paying Part B premiums.

What are the top five Medicare Supplement plans in Hawaii for 2021?

1. Best for full coverage: Plan F

For many years, Medicare Supplement Plan F was the top choice of Medigap plans in Hawaii for full, comprehensive coverage.

It covered everything, including the Medicare Part B deductible. On January 1, 2020, federal policy restricted Medigap plans from paying the Part B deductible, so Medigap Plan C and Plan F were no longer available to new Medicare recipients.

Those already enrolled in Medicare Plan F can keep that Medicare coverage. Anyone whose eligibility started after January 1, 2020 who have not yet enrolled in Medicare may still be able to choose Medigap Plan F.

2. Best comprehensive coverage: Plan G

Beneficiaries new to Medicare after January 1, 2020 often choose Medigap Plan G as the most complete coverage available. Because it covers almost everything Plan F covers, it is quickly outpacing other plan options in Hawaii. The main difference is that Plan F covered the Part B deductible, which is $203 in 2021, and Plan G does not.

Monthly premiums for a Medicare Supplement Plan G insurance plan in Hawaii are significantly lower if you compare them with Plan F premiums. This can offset having to pay the Part B deductible.

Those who can still choose Plan F Medigap policies in Hawaii would benefit from talking to a licensed insurance agent to compare costs and benefits of Plan F vs. Plan G.

3. Best value: Plan N

Medigap insurance Plan N closely resembles Plan G in benefits provided. The main difference is that Plan G covers Part B Excess Charges and Medicare Plan N does not.

Plan N has lower monthly premiums than plan G. Some Medicare beneficiaries are willing to pay copayments up to $20 for an office visit and as much as $50 copays for Emergency Room visits not leading to hospitalization in exchange for the lower monthly premiums. Those who visit the doctor only occasionally have the best chance of saving money with Plan N.

4. Best deductible plan: High Deductible Plan F

Many people choose a High Deductible Plan F insurance policy because they will have significantly lower monthly premiums than with the original Plan F. The trade-off is a yearly deductible of $2,370 that must be met before coverage begins.

5. Best for lowest premiums: High Deductible Plan G

As with Plan F, Medicare provides a High Deductible Plan G Medigap insurance policy with greatly reduced monthly premiums. In exchange for the year-round savings, enrollees must pay the annual deductible of $2,370 to unlock their Medicare benefits for the year.

What is the best Medicare Supplement plan in Hawaii for 2021?

Medigap Plan G does not have any network limitations, so you can see any doctor in the U.S. who accepts Original Medicare.

Other benefits include:

  • The freedom to change doctors as you wish
  • Allowed to choose any hospital or medical facility as long as they accept Original Medicare
  • There are no network restrictions

What is the average cost for a Medicare Supplement plan in Hawaii?

Pricing for Medicare Supplement plans are set by each private insurance company for each state zip code. Age, gender, and tobacco use are also factors in determining the out-of-pocket costs for Medigap plans.

A 65-year-old woman who lives in Hawaii zip code 96733 and does not use tobacco would have the following average premium for Medicare Supplement insurance:

  • Medicare Supplement Plan G ranges from $102.72 to $215.42. The average premium would be $144
  • Medicare Supplement Plan N ranges from $81.08 to $93.47 with an average premium of $89 a month
  • High-Deductible Plan G ranges from $39.49 to $44.07 with the average premium being $42 a month

When can I apply for a Hawaii Medicare Supplement plan?

The Medigap Open Enrollment Period for each enrollee begins the day they are both enrolled in Medicare Part B and 65 years old. It lasts for six months, and is the most advantageous time to enroll in a Medicare Supplement plan in Hawaii.

The Medigap Open Enrollment Period cannot be repeated or rescheduled for a different time.

Some advantages in enrolling in a Medigap plan during this enrollment period are:

  • More choices of insurance companies and Medigap plans
  • Guaranteed acceptance – You cannot be turned down for any plan you choose
  • The insurer cannot charge extra for your plan – You will pay the same as a healthy person regardless of your health condition
  • No need for Medical Underwriting
  • In addition to buying a Medigap plan, you can purchase a Medicare Part D plan to complete your health care coverage

Special Medicare Enrollment Periods:

  • Any time of year if you have guaranteed issue rights for a special enrollment. Some reasons might be losing a Medicare Advantage Plan, stopping work and losing employer-based coverage, moving to a new location where your current plan is not available

Common Hawaii Medicare Supplement Questions:

When can I change Medigap plans?

You can change Medigap policies during your six-month Medigap Open Enrollment or Special Enrollment Period as described above. Changes made during this time will not be subject to Medical Underwriting. Otherwise, You can Change it anytime but can be denied or charged a high premium due to pre-existing health conditions.

Can I be denied Medigap coverage?

Changes can be made outside the Medigap Open Enrollment Period or a Special Enrollment Period, but the Medicare Insurance Company can require Medical Underwriting to be done to determine your medical condition. If there are any pre-existing conditions, you can be denied coverage or charged a higher price premium.

What is the difference between Medigap and Medicare Advantage?

A Medicare Supplement insurance plan in Hawaii works with Original Medicare, the Federal Medicare Program, to help cover out-of-pocket costs after Medicare pays 80% of approved charges. They are sold and administered by private health insurance companies.

Medicare Advantage plans are an alternative way to receive Medicare benefits. Sold and administered by private insurance companies who must comply with Medicare guidelines, Advantage plans offer basic benefits and may offer additional coverage like dental, vision, hearing, and fitness benefits.

Do Medicare Supplement plans in Hawaii cover dental care?

Medicare Supplements do not cover dental benefits.

Do Medicare Supplement plans cover chiropractic care?

Medicare Supplements have very limited coverage for chiropractic care.

Do Medigap plans in Hawaii cover foreign emergency travel?

Some Medicare Supplement Plans cover foreign travel emergency benefits – Up to 80% – Up to plan limits.

Related Topics

Ready to Learn More?

We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with most of the nations top-rated Medigap carriers such as Aetna, Cigna, Mutual of Omaha and Florida Blue Medicare plans. Give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state. We educate you on the best Medicare Plans for your situation, then let you decide. 

Hawaii State Links

Hawaii Medicare Resources

Key Take Aways
  • In Hawaii, Medicare Supplement Plan G is the most popular plan for 2021.
  • There are 10 Medicare Supplement Plans in Hawaii to choose from.
  • You can not have a Medicare Supplement plan and a Medicare Advantage plan at the same time.