Top Rated Medicare Advantage Plans in Hawaii
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Uncovering the Top Medicare Advantage Plans in Hawaii
If you are thinking about getting out of Original Medicare and into a Medicare Advantage plan available in Hawaii, you're not alone. Nearly half of the estimated 64 million people with Medicare will join a Medicare Advantage plan this year. Some join to get more benefits. Some join to save money. And some like a plan's doctors and other healthcare providers.
This page is dedicated to assisting you in exploring the highest-rated Medicare Advantage (MA) plans available in Hawaii, highlighting the insurance providers that offer these plans, and providing guidance on locating suitable plans within your specific geographic region. This information is crucial as the availability of these plans varies by location, and it's essential to identify the options accessible in your area.
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Unveiling the Standout Medicare Advantage Plans in Hawaii
The Centers for Medicare & Medicaid Service (CMS) rates and reviews Hawaii's Medicare Advantage plans based on a 5-star rating scale. Information from members and data provided by plans is used to determine a plan's star rating.
There are no 5-star plans in Hawaii in 2025. However, there are 4.5-star plans. This year, the highest rated Medicare plans available in Hawaii come from:
MedicareWire recommends that you evaluate the plans offered by these Hawaii health insurance companies, before all others, for this single reason. More stars awarded by CMS typically means members get better results. So, for instance, five-star plan members might receive better service, phone support, and care than those who have a four-star plan.
TIP: Everyone's personal situation is different. And so are Hawaii's Medicare Advantage plans. That's why it is so important to understand Medigap vs Medicare Advantage plans.
Complete List of Hawaii's Plan Providers
Hawaii's Medicare Advantage plans are offered by 6 plan providers, including:
- Devoted Health
- HMSA Akamai Advantage
- Humana
- Kaiser Permanente
- UnitedHealthcare
- Wellcare
Top Ranked Plans in Hawaii
Here are the top-ranked Medicare Advantage plans in Hawaii, according to the Centers for Medicare & Medicaid Services:
Top Medicare Advantage Plans in Hawaii
| Provider | Plan ID | Plan Name | Premium | Limit | Stars |
|---|---|---|---|---|---|
Interested in joining a plan from one of the top-rated providers? That has a lot to do with your Hawaii County. Medicare Advantage plans are regional, and you can't join a plan that isn't in your area.
Top-Rated Medicare Advantage Plans in Hawaii by County
Choose your Hawaii County below to see the best (and the worst) plans.
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Find Your Perfect Fit: How to Pick the Best Medicare Advantage Plan in Hawaii
You may be looking at plans for several different reasons, including turning 65 or the Annual Enrollment Period. Or, perhaps you are navigating a special enrollment event, such as moving to a new area. In all of these cases, there are a few important details you need to consider.
1. Evaluate How You Plan to Use Your Benefits
Do you think you’ll take maximum advantage of your benefits (doctors, hospital inpatient care, tests, etc.)? If so, prioritize plans with lower out-of-pocket maximums and lower copayments, even if they have higher monthly premiums. Otherwise, look for plans with low monthly premiums. Just be aware that plans with low or no monthly premiums tend to have higher out-of-pocket maximums and/or higher deductibles.
2. Review Your Drug Costs
Prescription drugs, not doctors, are what many seniors blame for driving up their healthcare costs. Part D prescription benefits are included with most Hawaii Medicare Advantage plans. It would be best if you made sure that the plan you choose covers your drugs at a price you can afford.
3. Consider Your Needs for Additional Coverage
Original Medicare only covers your major medical services, leaving you to pay for dental, vision, hearing, and other healthcare services, or get additional coverage. Fortunately, a growing number of Medicare Advantage plans cover many of the essential services not covered by your Part A and Part B benefits.
4. Review Your Healthcare Network Considerations
Medicare Advantage plans use healthcare provider networks, and not all primary care doctors and specialists accept all plans. For many Hawaii shoppers, finding a plan that their doctors accept is exhausting. We can help!
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Next Steps
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Frequently Asked Questions
Still have questions? These common questions and answers might help.
What are the pros and cons of a Medicare Advantage plan?
Medicare Advantage plans may have several disadvantages. Most plans require that their members use their network providers. It is also difficult to budget for healthcare costs as costs are largely determined by your use of healthcare services. Many plans require that members obtain referrals to a specialist before they are authorized to receive a service. Discover more disadvantages of Medicare Advantage plans.
Do Medicare Advantage plans pay 100% of all costs?
On average, the cost of a Medicare Advantage plan in Hawaii is $nan (based on 2025 rates). That's just the cost of the monthly premium to be in the plan. If you have chronic health conditions, the plan's out-of-pocket costs, including copays and deductibles, should also be considered. Additionally, Medicare Advantage plans often include Part D prescription drug benefits that have out-of-pocket costs at the pharmacy.
What are Medicare Advantage plans required to cover?
All Medicare Advantage plans offered in Hawaii must cover all of the Original Medicare benefits. But, private Medicare plans are not required to provide healthcare services similarly. For instance, Medicare Part A covers 80% of hospital stays, skilled nursing, home care, hospice care, and home health care. And Part B covers 80% of doctor visits, lab tests, and other outpatient services. However, Medicare Advantage plans are allowed to set their own copays and routinely charge more than 20%. That said, they do have an annual limit, whereas Original Medicare doesn't.
Citations & References
- CMS.gov, 2023 Medicare Part C Landscape Source Files, Last Accessed January 13, 2023
- CMS.gov, "5-STAR PLAN RATINGS", Last Accessed October 22, 2022
- Medicare.gov, "Explore your Medicare coverage options", Last Accessed October 27, 2022
- KFF.org, "Medicare Advantage 2023 Spotlight: First Look", Last Accessed September 5, 2023
- Medicare.gov, "How to join a Medicare Advantage Plan", Last Accessed October 11, 2022
- CMS.gov, Part C and D Performance Data, Last Accessed October 13, 2024
- CMS.gov, Monthly MA Enrollment by State/County/Contract, Last Accessed October 10, 2024
Plans Offered
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, Healthy Blue, HealthSun, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.