Seniors have more health insurance options than ever before, including Hawaii Medicare Advantage Plans. Medicare Advantage replaces your Original Medicare private-fee-for-service benefits with an approved managed care plan that saves you money.
Be aware that plans vary by where you live. Medicare Advantage options are typically HMO or PPO plans that use hospital and doctor networks to provide care.
How-To Enroll in a Hawaii Medicare Advantage Plan
Most people living in Hawaii, age 65 and older, qualify to enroll in Medicare Advantage. Certain diseases, most notably End-Stage Renal Disease (ESRD), may disqualify you from enrollment.
You are only allowed to join, drop or change plans during a Medicare Election Period. The periord between 15 October and 7 December is the Annual Election Period (AEP). That’s when most folks make their changes to their Medicare.
You also have an Individual Election Period (IEP). You IEP is a 90 day period around your 65th birthday. It starts the month before you turn 65 and ends the month after.
You have three different enrollment options. The first way is to call a plan directly. If you know the plan you want, this way is quick and easy.
The www.Medicare.gov website is your second option. The government website allows you to compare plans, find doctors, look up your medications, and start your application on-line.
The third way is to use an independent insurance agent. If you need someone to advise you, or you’re more comfortable working with someone in person, this is the way to go. Find an agent who represents several insurance companies. This way you’ll have a range of good options.
Hawaii Medicare Advantage vs. Original Medicare + Medigap
If you are worried that an HMO or PPO plan will try to limit your care, Medicare Advantage is not the only way to get full coverage. You also have the option to hold on to your Original Medicare PFFS benefits and upgrade your coverage with Hawaii Medicare Supplement Insurance and a Hawaii Medicare Part D Plan (for help with your prescription drugs).
If you’re not familiar with Medigap policies, and how they protect you from medical care liability, please review our Hawaii Medigap Plans page. All Medigap plans are standardized. That means you can chose the plan you need based on best price without worrying about the benefits.
About Our 2015 Hawaii Medicare Advantage (Part C) Information
The Medicare insurance data published by MedicareWire.com is received from public data files provided by the U.S. federal government. Although we do our best to regularly update our databases, we are not able to ensure the exactness of the information. You must consult with a licensed insurance agent to get an exact quote for your situation.For more information about the Medicare program, visit http://cms.gov. This page was last updated on 9/13/2015.