The Best Medicare Supplement (Medigap) Plans in Hawaii
- Hawaii Medicare Supplement (Medigap) insurance helps cover Medicare-related expenses such as copays and deductibles. Learn more about Medicare Supplement plans in Hawaii, including what they might cover and when the best times are to enroll.
Medicare Supplement Insurance (Medigap) is designed to help Medicare beneficiaries cover the costs of medical services and supplies that remain after Medicare covers its share of costs. These policies, which work alongside Medicare Part A and B, may pay for some or all of the expense of copays, coinsurance or deductibles.
Some plans also cover services that aren’t reimbursable under Original Medicare, such as medical care received while traveling outside the United States. Because Medigap plans are sold by licensed private insurers, plan terms, including coverage and cost, may vary.
Medigap policyholders make up about 9.5% of Medicare A and B beneficiaries in Hawaii.
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What Are the Best Hawaii Medicare Supplement Plans?
Hawaii’s Medicare supplement plans fall into 10 categories, which are identified simply by letters. All Medigap policies must offer the same basic benefits, including coverage of Part A coinsurance and 365 days of hospital care beyond what Original Medicare reimburses for. However, some plans may provide additional benefits, such as Part A and B deductible coverage and foreign travel exchange.
| Medicare Supplement Benefits | A | B | C1 | D | F1 | G | K | L | M | N |
| Part A coinsurance and hospital costs | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Part B coinsurance or copayment | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| First 3 pints of blood | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Part A hospice care co-insurance or co-payment | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Co-insurance for skilled nursing facility | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ | ||
| Medicare Part A deductible | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | 50% | ✓ | |
| Medicare Part B deductible | ✓ | ✓ | ||||||||
| Medicare Part B excess charges | ✓ | ✓ | ||||||||
| Foreign travel emergency | 80% | 80% | 80% | 80% | 80% | 80% | ||||
| 1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020. 2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,870 in 2025. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020. 3. Plan K has an out-of-pocket yearly limit of $7,220 in 2025. Plan L has an out-of-pocket yearly limit of $3,610 in 2025. 4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission. View an image version of this table. |
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How Do I Enroll in a Hawaii Medigap Plan?
Hawaiians who are enrolled in Original Medicare are eligible to purchase a Medigap plan to supplement their insurance.
Your Medigap open enrollment period begins the month you turn 65 and enroll in Medicare Part B. During this six-month enrollment period, you’ll have full access to all plans that are available in your area, and companies must charge the same price to everyone regardless of any underlying health issues. After this period ends, insurers are allowed to use medical underwriting processes to screen applicants, which can result in higher premiums or even limit your ability to purchase a plan if you’re considered a high risk.
However, there are exceptions. Under federal law, additional Medigap protections known as guaranteed issue rights, may apply under certain circumstances. These rights require insurance companies who offer Medigap plans to sell a policy at the standard cost to any Original Medicare beneficiary regardless of their potential health risk.
The following examples are common situations in which guaranteed issue rights apply:
- Your Medicare Advantage plan is being discontinued or no longer covers care in your region, so you revert to an Original Medicare plan.
- You move out of the coverage area maintained by your Medicare Advantage plan and switch to an Original Medicare plan.
- You’re currently enrolled in Original Medicare and have an employer- or union-sponsored group health plan that pays after Medicare reimbursement, but the plan is ending.
- You have a Medicare SELECT policy to supplement Original Medicare and you move out of the service area covered by your SELECT plan.
- You lose your current Medigap coverage through no fault of your own (such as when an insurance company goes bankrupt).
- You drop your current Medigap coverage due to a company's misleading policies or terms that don't follow federal guidelines.
- You dropped your Medigap coverage to try out a Medicare Advantage Plan and reverted to Original Medicare within the year.
Helpadvisor.com is owned and operated by Tranzact, the parent company of TZ Insurance Solutions LLC, which is the owner/operator of MedicareSupplement.com and other websites mentioned on HelpAdvisor and which has a financial relationship with some of the carriers listed on HelpAdvisor.
