Seniors in Hawaii on Medicare have a wide range of health insurance options. Alternatives include private health insurance through Medicare Advantage, prescription coverage with a Medicare Part D plan, and Medigap insurance to supplement Original Medicare. This catalog of Medicare health insurance will show you the options you have in your county. To get started, click on your county below.
Hawaii Seniors at Risk with Original Medicare
You have probably heard that Original Medicare coverage is not A to Z health insurance. While it pays for about eighty percent of what it does cover, it does not pay for many common healthcare services that most seniors want and need.
It is shocking to most Hawaii seniors how little Original Medicare covers in the scope of total health care. For most seniors on Medicare the real figure is about fifty percent. That is correct, about half. This situation puts most Hawaii seniors at serious financial risk. The risk is the high out-of-pocket costs and huge piles of medical debt that result from a serious illness, a simple accident, or chronic health conditions, like mood disorders, diabetes, heart disease, asthma and hypertension.
With Original Medicare you are responsible for twenty percent (20%) of your major medical costs, prescriptions, dental, vision, hearing, routine foot care, and long-term care, to name just a few. You needn't worry, because you have a lot of options to supplement your basic Medicare coverage or replace it completely with private health insurance.
You can learn more on this topic by visiting our Original Medicare page.