Medicare Advantage Plans by Hawaii County
Greetings Hawaii seniors. If you’re looking for a Medicare Advantage Plan for Hawaii seniors with Medicare, you’re in the right place. An Advantage Plan is an approved HMO or PPO healthcare plan that you can elect to replace your Original Medicare private-fee-for-service benefits. They are designed to save you money and reduce your financial risk.
Locate and click on your Hawaii county to compare plans. Not all counties have the same plans available, and some rural counties may not offer Medicare Advantage. It’s all based on the adequate availability of healthcare provider networks.
Locate a Medicare Agent in Hawaii!
Ready to get quotes? We keep a up-to-date list of Medicare insurance agents licensed to sell plans in Hawaii. Click Here Now to meet your agents. Get confidential quotes online to find the best rate.
Medicare Advantage vs. Original Medicare with Medigap: Hawaii Full Coverage Choices
If you’re concerned that an HMO or PPO health plan will overly limit your care, a Medicare Advantage Plan is not your only option. For a small amount more in your monthly premium you can have the best senior healthcare available. When you keep your Original Medicare and supplement it with Medicare Part D and supplemental Medicare insurance, you have full coverage with very few restrictions. Medicare supplement insurance (Medigap) in Hawaii protects you from the risk of big hospital and doctor bills. See our Medicare Supplemental Insurance page for more information. You will be relieved to know that all supplement plan available in Hawaii are are standard. That means you have the benefit of shopping by best price.
Medicare Advantage Enrollment in Hawaii
Medicare Advantage open enrollment for Hawaii beneficiaries, called the Annual Enrollment Period (AEP), happens every year starting on the 1st of October. AEP ends on the 7th of December, and your new plan election starts on the 1st of January. If you are new to Medicare, you are given a one-time Initial Enrollment Period (IEP). For most folks, their IEP happens then they reach age 65. In rare cases, Medicare will grant a special enrollment period. If you miss your IEP or the AEP, you’ll have to wait until the next AEP to enroll, so mark your calendar.
Are you ready to enroll, but you’re not quite sure how? No problem, it’s easy! Most Hawaii seniors use an independent Medicare insurance agent to walk them through the whole process. Your agent is well versed in all of the plans available in your county, and they will help you compare plan features without trying to sell you on one plan or another. In fact, by law agents are required to follow strict selling and marketing guidelines. It’s all for your protection. If you’d rather not use a local agent, you can go directly to Medicare.gov. Click here to get started.
Obamacare vs. a Hawaii Medicare Advantage Plan
Concerned that Obamacare is doing away with or cutting your Medicare Advantage benefits or choices? Don’t worry, it’s not. At least not in 2014. Hawaii seniors still have all of the same benefits and choices. The new healthcare law (ACA) leaves MA plans alone, from your perspective, but adds new regulations for the insurance carriers.
You might also be interested to know that your Hawaii Health Insurance Exchange (where Obamacare plans are sold) will not assist people with Medicare benefits. In other words, you can’t trade your Medicare or purchase additional health insurance on the state health insurance exchange (HIX). If you call the Hawaii HIX hotline, they will simply redirect you to Medicare.gov. If you qualify for Extra Help, due to your income status, go to your local Social Security Administration office. Learn more about the healthcare law at www.HealthCare.gov.
Hawaii Medicare Advantage Plan Information
The healthcare insurance information provided on MedicareWire.com is derived from data files published by the U.S. Centers for Medicare and Medicaid Services (CMS). We make every attempt to keep our databases up-to-date. In spite of this, we simply cannot ensure the exactness of the details and only a licensed insurance agent can give you quote. For additional information go to the CMS website at: http://cms.gov.