Top Medicare Advantage Plans in Hawaii for 2024
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2024 Medicare Advantage Open Enrollment Begins October 15
Be the first to know about the best new plans in Hawaii for 2024. Sign-up for our 2024 Medicare Advantage plan notification service HERE. The 2024 Medicare Part C information will be available in early October.
Finding the Best Medicare Advantage Plan in Hawaii Starts Here
If you live in Hawaii and you're thinking about enrolling in a 2024 Medicare Advantage plan, you're not alone. This year nearly half of all people with Medicare will join a Medicare Advantage plan because they want lower costs, more benefits, and access to more doctors and other healthcare providers.
On this webpage, we aim to assist you in uncovering the highest-rated Medicare Advantage (MA) plans available in Hawaii, identifying the insurance providers that offer these plans, and providing guidance on locating suitable plans within your specific County. This is important because not all plans are available in all areas.
Table of Contents
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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 2023. Not all states and locations do. This year, the highest rated Medicare plans available in Hawaii come from:
- Kaiser Permanente
We recommend evaluating the health plans from these Hawaii health insurance companies ahead of all others. Here's why. Simply put, more stars generally mean members will get better results. Members might get better service, phone support, and care from a 5-star than they would from a four-star plan.
CRUCIAL: Benefits are not the same throughout Hawaii. That's why it is essential that you fully understand the advantages and disadvantages of Medicare Advantage plans.
Complete List of Hawaii's Plan Providers
Hawaii has 7 providers that offer Medicare Advantage plans. They include:
- HMSA Akamai Advantage
- Humana
- Kaiser Permanente
- Lasso Healthcare
- UnitedHealthcare
- Wellcare
- Wellcare by Ohana
Top Hawaii Plans by CMS 5-Star Score
According to the Centers for Medicare & Medicaid Services, here are the top-ranked Medicare Advantage Plans available in Hawaii:
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 | H5216-314 | Humana USAA Honor with Rx (PPO) | $0.00 | $5,950 | 4.5 |
| Humana | H5216-232 | HumanaChoice H5216-232 (PPO) | $47.00 | $5,100 | 4.5 |
| Humana | H5216-233 | HumanaChoice H5216-233 (PPO) | $0.00 | $5,950 | 4.5 |
| Humana | H5216-313 | HumanaChoice H5216-313 (PPO) | $24.00 | $5,400 | 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.
Best MA Plans in Hawaii by County
Choose your Hawaii County below to see the best (and the worst) plans.
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Strategies for Choosing the Optimal 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
Utilization is what determines your overall cost. Healthy individuals use fewer healthcare services. These people can save money by evaluating plans with low monthly premiums. Be aware that these plans often have higher copayments and a higher maximum out-of-pocket limit.
The opposite is true if you have one or more health conditions and frequently use healthcare services, especially hospital inpatient care. In this case, plans with higher monthly premiums, low copayments, and low maximum out-of-pocket limits will help you save money.
2. Evaluate Your Prescription Costs
For many seniors, prescription drugs are what drive up their healthcare costs the most. And, because nearly all Hawaii Medicare Advantage plans include Part D benefits for your regular prescriptions, you need to make sure the plan you choose covers your drugs at a price you can afford.
3. Understand Your Additional Coverage Requirements
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. Think About Your Preferred Healthcare Providers
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 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 do Medicare Advantage plans cost in Hawaii?
A Medicare Advantage plan in Hawaii costs an average of $45.36. This is just the monthly premium. You should also consider the out-of-pocket expenses of a plan if you have any chronic conditions, which include a plan's copays and deductibles. Prescription drug benefits are also included in most Medicare Advantage plans, but they have their own out-of-pocket costs.
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
- Medicare.gov, "5-star special enrollment period", Last Accessed October 20, 2022
- Medicare.gov, "Understanding Medicare Advantage Plans", Last Accessed October 16, 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, Aspire Health Plan, Centene Corporation, Dean Health Plan, Devoted Health, GlobalHealth, Health Care Service Corporation, Cigna-HealthSpring, Humana, Molina Healthcare, Mutual of Omaha, Oscar Health Insurance, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Scott and White Health Plan now part of Baylor Scott & White Health, and UnitedHealthcare.
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