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Medicare Part D
 » 
Hawaii

Guide to 2025 Medicare Part D Plans in Hawaii

by David Bynon, last updated March 15, 2025

We partner with HealthCompare for some plans. Compensation does not influence our content. Learn more.

Welcome to our comprehensive guide on Medicare Part D plans in Hawaii. As you explore your options, it's essential to understand the coverage available and how it can meet your prescription drug needs. With 12 plans to choose from, and an average premium of $56.87 per month, finding the right Medicare Part D plan can help you manage your healthcare costs effectively.

This guide provides an overview of Medicare Part D and its benefits. Whether you're new to Medicare or looking to switch plans, we have the information you need to make the right choice. For more in-depth insights, visit our detailed Medicare Part D article.

Hawaii Medicare Part D Plans

Medicare Part D Plans available in Hawaii for 2025
Plan Name Premium Deductible Rating
AARP Medicare Rx Preferred from UHC $89.20 $0
☆☆☆☆☆
AARP Medicare Rx Saver from UHC $0.00 $590
☆☆☆☆☆
Cigna Healthcare Assurance Rx $48.90 $590
☆☆☆☆☆
Cigna Healthcare Extra Rx $90.10 $175
☆☆☆☆☆
Cigna Healthcare Saver Rx $21.50 $590
☆☆☆☆☆
Humana Basic Rx Plan $49.80 $590
☆☆☆☆☆
Humana Premier Rx Plan $151.60 $0
☆☆☆☆☆
Humana Value Rx Plan $72.00 $573
☆☆☆☆☆
SilverScript Choice $32.70 $590
☆☆☆☆☆
Wellcare Classic $19.30 $590
☆☆☆☆☆
Wellcare Medicare Rx Value Plus $107.30 $590
☆☆☆☆☆
Wellcare Value Script $0.00 $590
☆☆☆☆☆
If you qualify for Original Medicare or Medicare Part D but don't know where to begin, we have licensed insurance agents[1] at 1-855-728-0510 (TTY 711) who can answer your questions (Mon-Fri 5am-6pm, Sat 6am-5pm PT) and help you get enrolled. There's no obligation.

What You Should Know About Medicare Part D Plans

Medicare Part D plans are sold by private insurance companies and are designed to help cover the cost of prescription drugs. These plans must cover medications in all essential drug categories, but they might not include your specific medication. It's important to check each plan's formulary, which divides drugs into tiers to determine pricing.

While Part D covers most prescription medications, it generally does not cover drugs administered in your doctor’s office or as an inpatient—these are covered by Medicare Part B. The cost you pay for your medications will depend on the phase of coverage you’re in, such as the deductible phase, initial coverage limit, or coverage gap.

Additionally, many plans work with a network of preferred pharmacies where you can get lower prices. Be sure to check if your preferred pharmacy is included in the plan’s network. Remember, Medicare Part D plans can change their formularies, premiums, and cost structures every year, so it's vital to review your plan annually during the Annual Enrollment Period (AEP) to ensure it still meets your needs.

Exploring Medicare Part D: Coverage and Costs in Hawaii

An Overview of Part D Costs

Medicare Part D involves various costs, including monthly premiums, annual deductibles, and out-of-pocket expenses. Understanding these costs is essential for selecting the plan that best suits your financial situation.

Monthly Premiums

Premiums for Medicare Part D plans vary widely. In Hawaii, the average premium is $56.87 per month, with the lowest available premium being $0.00. Some beneficiaries may be eligible for programs that help reduce these costs.

Deductibles and Your Plan

Each Medicare Part D plan has a deductible, the amount you pay before your plan starts to cover your medications. The average deductible in Hawaii is $456, but 2 plans with no deductible are also available.

Understanding Copayments and Coinsurance

After meeting your deductible, you’ll typically pay either a copayment or coinsurance for your prescriptions. Copayments are fixed amounts, while coinsurance is a percentage of the drug’s cost. These costs can vary by plan and medication tier.

Formulary and Drug Tiers Explained

Each Medicare Part D plan has a formulary, a list of covered medications organized into tiers. Lower-tier drugs usually cost less. Reviewing the formulary ensures that your medications are covered under the plan you choose.

The Coverage Gap ("Donut Hole")

Good news. As of January 1, 2025, the Medicare Part D coverage gap, also known as the "donut hole," has been phased out.

What Is Catastrophic Coverage?

Once you reach a specific out-of-pocket spending limit, you enter the catastrophic coverage phase, where your medication costs significantly decrease. This coverage ensures that you are protected from high prescription costs throughout the year.

Low-Income Subsidy (LIS)

The Low-Income Subsidy (LIS), or Extra Help, assists eligible Medicare beneficiaries by lowering Part D costs. In Hawaii, 0 plans feature full LIS benefits, making prescriptions more affordable for those who qualify.

Making the Best Choice

When choosing a Medicare Part D plan, consider both the costs and coverage options. Comparing premiums, deductibles, and formularies will help you select a plan that best meets your healthcare and financial needs.

Steps to Find a Medicare Part D Plan in Hawaii

Medicare prescription drug plans are compatible with Medicare Parts A and B, all Medicare Supplement Plans (Medigap), and Medicare Advantage plans that do not include prescription drug coverage. However, you cannot enroll in a stand-alone Part D plan if you have a Medicare Advantage plan that includes prescription coverage as an extra benefit.

Choosing the best Medicare Part D plan for you can be challenging, especially with 12 plans available in Hawaii. To simplify your decision, consider these essential factors:

1. Review the Plan’s Formulary

A formulary lists all the medications covered by a Medicare Part D plan. Make sure the plan you’re considering covers your prescriptions, and be aware of the drug tiers, as these will determine your out-of-pocket costs for each medication.

2. Consider Premiums and Deductibles

Medicare Part D plans come with different premiums and deductibles. Compare these costs to find a plan that fits your budget. Remember, lower premiums might come with higher deductibles or other out-of-pocket costs, so factor in your prescription needs when making a decision.

3. Check Preferred Pharmacy Networks

Using a pharmacy within your plan’s preferred network can lower your medication costs. Ensure your preferred pharmacy is in-network, and consider whether the plan provides a mail-order option, which can be a convenient and cost-effective choice.

4. Understand the Coverage Gap

Known as the "donut hole," the coverage gap is a phase where your medication costs may increase. Some plans offer extra coverage during this phase, which could save you money if you expect high prescription drug expenses.

5. Look at Star Ratings

Medicare assigns star ratings to Part D plans based on quality and customer satisfaction. Plans with higher star ratings are generally more reliable, so consider this when making your choice.

6. Explore Low-Income Subsidy (LIS) Options

If you qualify for the Low-Income Subsidy (LIS), certain plans can lower your costs, including premiums, deductibles, and copayments. These plans are designed to help make prescription drugs more affordable for those with limited income.

By carefully reviewing these factors, you can choose a Medicare Part D plan that meets both your health and financial needs. Remember to reassess your plan each year during the Annual Enrollment Period (AEP) to ensure it still offers the best coverage for you.

Creditable Coverage and the Impact of Late Enrollment Penalties

Having creditable coverage means your current prescription drug plan is as good as or better than Medicare Part D. If you have such coverage through an employer, union, or other source, you can delay enrolling in Medicare Part D without facing a late enrollment penalty. However, if you go without creditable coverage for more than 63 days after your Initial Enrollment Period, you may incur a late enrollment penalty when you do enroll.

How to Confirm If Your Coverage Is Creditable

Your insurance provider is required to notify you annually if your coverage is creditable. Keep this notice as proof for when you decide to enroll in Medicare Part D. If you have any doubts, reach out to your provider for confirmation.

Understanding the Late Enrollment Penalty

The late enrollment penalty is calculated as 1% of the national base beneficiary premium for every month you went without creditable coverage. This penalty is added to your Part D premium and continues for as long as you have Medicare drug coverage. To avoid this, ensure you enroll in a Part D plan when your creditable coverage ends.

Understanding the Medicare Part D Enrollment Process

Enrolling in a Medicare Part D plan is a crucial step to ensuring you have the necessary prescription drug coverage. The enrollment process involves specific periods during which you can sign up for or make changes to your plan. Understanding these periods and the steps involved can help you make informed decisions about your coverage.

Initial Enrollment Period (IEP)

The Initial Enrollment Period spans 7 months, starting 3 months before you turn 65 and ending 3 months after your birth month. This is when you should sign up for Medicare Part D to ensure you have prescription drug coverage.

Annual Enrollment Period (AEP)

From October 15 to December 7 each year, the Annual Enrollment Period lets you enroll in, change, or drop a Part D plan. Any changes made will go into effect on January 1 of the upcoming year.

Medicare Advantage Open Enrollment Period (OEP)

The Medicare Advantage Open Enrollment Period, from January 1 to March 31, allows those enrolled in Medicare Advantage to switch plans or return to Original Medicare and add a Part D plan.

It's essential to enroll in a Medicare Part D plan during the appropriate periods to avoid gaps in your prescription drug coverage. For more detailed information about the different enrollment periods, visit our comprehensive guide on Medicare Enrollment Periods.

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.

Citations & References

  1. Medicare.gov, "Drug coverage basics", Last Accessed March 1, 2025
  2. Medicare.gov, "How Part D works with other insurance", Last Accessed July 14, 2024
  3. Medicare.gov, "Costs", Last Accessed July 16, 2024
  4. Medicare.gov, "What's Medicare Supplement Insurance (Medigap)?", Last Accessed June 7, 2024
  5. SSA.gov, "Extra Help with Medicare Prescription Drug Plan Costs", Last Accessed March 10, 2025
  6. CMS.gov, "Landscape Source Files", Last Accessed March 1, 2025
  7. CMS.gov, "Medicare Part C & D Performance", Last Accessed March 1, 2025

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[3]About the Author

David Bynon is a Medicare analyst, published author, and U.S. Navy veteran with over 40 years of experience in cryptology, cybersecurity, and healthcare systems. Since founding MedicareWire in 2012, he has provided unbiased, data-driven Medicare plan research to assist seniors in making informed decisions.

Previously, David served as Vice President of Global Systems at Sony Pictures Entertainment and Director of Systems and Networks at HealthNet, focusing on secure HMO and Medicare infrastructures. His military career includes serving as Command Chief at TACRON-11, earning multiple Navy Commendation Medals and other commendations.

Connect with David on LinkedIn or view his Amazon Author Profile. His latest book, Why Medicare Advantage Plans Are Bad, is available on Amazon.

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