Top Rated Medicare Advantage Plans in Hawaii
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2025 Medicare Advantage Plan Enrollment in Hawaii
2025 Medicare Advantage Plan information will not be available until early October. We will let you know as soon as the new data is available from CMS.
Sign-Up for 2025 Medicare Plan Notification. Enrollment for 2025 starts October 15.
Uncovering the Top Medicare Advantage Plans in Hawaii
Are you considering enrolling in a Medicare Advantage plan in Hawaii? You're in good company. This year, more than 31 million people enrolled in a private Medicare health plan. Some want lower costs. Some are looking for more benefits. Others need access to more healthcare providers and doctors.
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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Comparing the Leading Medicare Advantage Plans in Hawaii
Each year, the Centers for Medicare & Medicaid Services (CMS), reviews and rates Hawaii's Medicare Advantage plans based on a 5-star scale. The information used to create a plan's star rating comes from member input and data reported by the plan.
Hawaii has 5-star Medicare Advantage plans available in 2024. Not all states and locations do. This year, the highest rated Medicare plans available in Hawaii come from:
- Kaiser Permanente
MedicareWire recommends evaluating plans from these Hawaii health insurance companies first. Why? Because more stars mean a better plan. For instance, members may get better care, customer service, and phone support from a 5-star plan than from a 4-star one.
IMPORTANT: Depending on where you live in Hawaii, Medicare Advantage plans may have many valuable benefits (as compared to Original Medicare). But, before you choose, it's crucial that you understand the potential disadvantage of Medicare Advantage plans. Compare coverage and costs carefully.
Complete List of Hawaii's Plan Providers
Hawaii has 9 providers that offer Medicare Advantage plans. They include:
- Devoted Health
- HMSA Akamai Advantage
- Humana
- Kaiser Permanente
- Lasso Healthcare
- UnitedHealthcare
- Wellcare
- Wellcare by Ohana
- Wellcare by ‘Ohana Health Plan
Top Hawaii Plans by CMS 5-Star Score
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 |
|---|---|---|---|---|---|
| Kaiser Permanente | H1230-014 | Kaiser Permanente Senior Advantage Hawaii Island (HMO) | $183.00 | $5,100 | 5.0 |
| Kaiser Permanente | H1230-003 | Kaiser Permanente Senior Advantage Basic (HMO) | $33.00 | $7,550 | 5.0 |
| Kaiser Permanente | H1230-001 | Kaiser Permanente Senior Advantage Enhanced (HMO) | $139.00 | $5,100 | 5.0 |
| Kaiser Permanente | H1230-013 | Kaiser Permanente Senior Advantage Maui (HMO) | $168.00 | $5,100 | 5.0 |
| Humana | H5216-232 | HumanaChoice H5216-232 (PPO) | $50.00 | $5,100 | 4.5 |
| Humana | H5216-233 | HumanaChoice H5216-233 (PPO) | $0.00 | $5,950 | 4.5 |
| Humana | H5216-313 | HumanaChoice H5216-313 (PPO) | $23.00 | $5,400 | 4.5 |
| Humana | H5216-314 | Humana USAA Honor with Rx (PPO) | $0.00 | $5,950 | 4.5 |
The top providers listed above do not tell the full story. That's because your Hawaii County may or may not have one of the top-rated plans. Unlike Original Medicare, Medicare Advantage plans are regional. Read How Does Medicare Advantage Work to learn more.
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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Navigating Your Options: How to Select 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. Consider Your Expected Utilization
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. Evaluate Your Prescription Costs
Prescription drugs are often the main reason that seniors pay more for healthcare. Because most Hawaii Medicare Advantage plans include Part D coverage for prescriptions, it is important to ensure you get the right plan that covers your drugs at a cost you can afford.
3. Consider Your Needs for Additional Coverage
Original Medicare does not all health care costs. It covers your major medical and some preventive care services, but it does not cover dental, vision, hearing, or prescriptions. A growing number of Medicare Advantage plans cover many of the essential services that your Part A and Part B benefits do not.
4. Review Your Healthcare Network Considerations
Medicare Advantage plans have healthcare provider networks. Unfortunately, not all specialists and primary care doctors accept all plans. Many people on Medicare in Hawaii tell us it's difficult to find a plan their doctors take. 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 is the biggest disadvantage of Medicare Advantage?
Medicare Advantage plans can have some potential drawbacks. Many plans require members to use their provider network. Costs are also heavily influenced by how you use healthcare services. This makes it difficult to budget for healthcare expenses. Most plans require members to get referrals for specialists or authorization before they can receive healthcare services. Learn more about the pros and cons of Medicare Advantage plans.
How much does Medicare Advantage cost in Hawaii?
On average, the cost of a Medicare Advantage plan in Hawaii is $39.98 (based on 2024 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 do Medicare Advantage plans include?
At a minimum, every Medicare Advantage plan sold in Hawaii must cover all of the benefits offered in Original Medicare. However, plans are not required to cover healthcare services in the same way. Medicare Part A covers 80% of hospital stays, skilled nursing, home health care, and hospice care. Part B covers 80% of doctor visits, lab tests, and other outpatient services. But, Medicare Advantage plans can set their own copays, and often charge more than 20%. On the positive side, plans must set an annual out-of-pocket limit.
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 in 2023: Enrollment Update and Key Trends", Last Accessed September 5, 2023
- Medicare.gov, "How do Medicare Advantage Plans work?", Last Accessed October 13, 2022
- CMS.gov, Part C and D Performance Data, Last Accessed January 13, 2023
- CMS.gov, Monthly MA Enrollment by State/County/Contract, Last Accessed January 13, 2023
- CMS.gov, Biden-Harris Administration Announces Lower Premiums for Medicare Advantage and Prescription Drug Plans in 2023, Last Accessed September 29, 2022
- CMS.gov, Medicare Marketing Guidelines, Last Accessed February 2, 2023
Plans Offered
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, 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.