MedicareWire

Best Medicare plan, cost, and enrollment tools for seniors.

Speak with a Licensed Advisor[1]

1-855-728-0510 (TTY 711)

Mon-Fri 8am-9pm EST, Sat 8am-8pm EST

  • Medicare Advantage
  • Medicare Part D
  • Medigap
  • Special Needs
  • More➲
    • Senior Dental Insurance
    • Medicare Mistakes
    • What Does Medicare Cover?
    • Important Resources
    • Frequently Asked Questions
    • Medicare Glossary
Medigap Plans
 » 
Hawaii

The Best Medicare Supplement Plans in Hawaii

On this page we help consumers: Find the best Medicare Supplement Plans offered in Hawaii. We offer free quotes on all carriers. No sales calls. Privacy guaranteed. Call call 1-855-728-0510 (TTY 711) for plan assistance.

Hawaii Medigap Plans by Carrier

Insurance Carrier Plan F Plan G Plan N Rating
Globe Life $149.00 N/A N/A
☆☆☆☆☆
Humana $171.70 N/A N/A
☆☆☆☆☆
Loyal American $130.56 $112.27 $89.51
☆☆☆☆☆
Mutual of Omaha $231.93 N/A N/A
☆☆☆☆☆
Sentinel Security Life $184.71 N/A N/A
☆☆☆☆☆
State Farm $125.03 N/A N/A
☆☆☆☆☆
Transamerica $129.57 $107.56 $99.85
☆☆☆☆☆
United American $193.00 N/A N/A
☆☆☆☆☆
AARP $125.88 $106.41 $77.94
☆☆☆☆☆
USAA Life $142.63 N/A $102.68
☆☆☆☆☆
If you qualify for Medicare but don't know where to start, we have licensed Medicare advisors[1] at 1-855-728-0510 (TTY 711) who can answer your questions and help enroll you in Medicare Advantage, Medicare Supplement Insurance, and Part D prescription drug plans. There's no obligation.

Hawaii Medigap Plans: What's the Difference?

Most Medicare experts agree that Original MedicareOriginal Medicare is private fee-for-service health insurance for people on Medicare. It has two parts. Part A is hospital coverage. Part B is medical coverage., combined with Medicare supplemental insurance, provides the best Medicare insurance coverage Hawaii seniors can get. But, which supplement is the right one for you?

This is a complicated question. After all, we're all different and have different needs. For most of us, it boils down to what we can afford and our health. Although there are 10 standardized plans, most seniors choose one of the three best Medigap plans available in Hawaii : F, G, and N. Keep reading and we'll explain why.

Related: Are Medicare Supplement Plans Worth It?

Top 3 Medicare Supplements in Hawaii

Looking for the three best Medigap plans available in Hawaii? They are Medicare Supplement Plan FMedicare Supplement Plan F is the most comprehensive Medicare supplement plan available. This plan covers all Original Medicare deductibles, coinsurance, and copayments, leaving you with no out-of-pocket costs on all Medicare-approved services., Medicare Supplement Plan GIf you're turning age 65 this year, Medicare Supplement Plan G is the most comprehensive Medicare supplement you can buy. It's also the most popular. You might be thinking that Medicare Supplement Plan F is..., and Medicare Supplement Plan NMedicare Supplemental Plan N is one of the ten standardized Medigap plans. Although it is one of the newest plans available, Medicare Plan N is quickly becoming a favorite with Baby Boomers aging into their.... Here are the 10 best insurance companies that offer these plans:

  1. 10 Best Medicare Supplement Plan F in Hawaii
  2. 10 Best Medicare Supplement Plan G in Hawaii
  3. 10 Best Medicare Supplement Plan N in Hawaii

Looking for a different plan? Compare the best Medicare supplement plans in Hawaii. You can also write a Medicare supplement review and let others know about a good or bad experience with a particular carrier.

Hawaii Medicare Supplement Plan F Comparison Chart

Medicare Supplement Plan F is the most popular Medigap plan available in Hawaii. Here are the 10 best Plan F policies available in Hawaii based on our reviews (click for details):

Top 10 Medigap Plan F in Hawaii

CarrierPremium[3]FeeReview[4]
State Farm$125.03None☆☆☆☆☆
AARP$125.88None☆☆☆☆☆
USAA Life$142.63None☆☆☆☆☆
Globe Life$149.00None☆☆☆☆☆
United American$193.00None☆☆☆☆☆
Mutual of Omaha$231.93None☆☆☆☆☆
Transamerica$129.57$25.00☆☆☆☆☆
Loyal American$130.56$20.00☆☆☆☆☆
Humana$171.70None☆☆☆☆☆
Sentinel Security Life$184.71$25.00☆☆☆☆☆

Hawaii Medicare Supplement Plan G Comparison Chart

Medicare Supplement Plan G is rapidly gaining popularity among Hawaii seniors. With Plan F going away in 2020, it is expected to be the new gold standard. Here are the 10 best Medigap Plan G policies available in Hawaii based on our reviews (click for details):

Top 10 Medigap Plan G in Hawaii

CarrierPremium[3]FeeReview[4]
AARP$106.41None☆☆☆☆☆
Transamerica$107.56$25.00☆☆☆☆☆
Loyal American$112.27$20.00☆☆☆☆☆
NOTE: Medigap Plan G is identical to Plan F, with one exceptionIn a Medicare Part D plan, an exception is a type of prescription drug coverage determination. You must request an exception, and your doctor must send a supporting statement explaining the medical reason for the.... A Plan G policy does not pay your Medicare Part BMedicare Part B is medical coverage for people with Original Medicare benefits. It covers doctor visits, preventative care, tests, durable medical equipment, and supplies. Medicare Part B pays 80 percent of most medically necessary healthcare services. annual deductibleA deductible is an amount a beneficiary must pay for their health care expenses before the health insurance policy begins to pay its share.. In many cases the annual cost of Plan G makes it a better deal.

Hawaii Medicare Supplement Plan N Comparison Chart

Medicare Supplement Plan N is similar to Plan D, but covers Medicare Part B coinsuranceCoinsurance is a percentage of the total you are required to pay for a medical service.  costs differently. Due to its lower cost and good coverage, it's catching the attention of many Hawaii seniors. Here are the 10 best Medigap Plan N policies available in Hawaii based on our reviews (click for details):

Top 10 Medigap Plan N in Hawaii

CarrierPremium[3]FeeReview[4]
AARP$77.94None☆☆☆☆☆
USAA Life$102.68None☆☆☆☆☆
Loyal American$89.51$20.00☆☆☆☆☆
Transamerica$99.85$25.00☆☆☆☆☆
NOTE: With Medigap Plan N, 100% of your Part B coinsurance is covered, except up to a $20 copaymentA copayment, also known as a copay, is a set dollar amount you are required to pay for a medical service. for office visits and up to $50 for emergency room visits.

Best Hawaii Medigap Plan Reviews

We review all major Medigap insurance carriers selling policies in Hawaii. Our 5-star ratings are unbiased. We use a complex formula that evaluates years in business, A.M. Best financial strength rating, plans serviced, plan premiumsA premium is an amount that an insurance policyholder must pay for coverage. Premiums are typically paid on a monthly basis. In the federal Medicare program, there are four different types of premiums. , and fees. Currently, our formula does not take rate increase history into account, so be sure to ask your agent for this information.

Our analysis of Medicare supplement insuranceMedicare Supplements are additional insurance policies that Medicare beneficiaries can purchase to cover the gaps in their Original Medicare (Medicare Part A and Medicare Part B) health insurance coverage. plans in Hawaii is based on a statewide review, not national. We recommend consumers use our 5-star ratings as one aspect of their decision-making process. It helps compare insurance carriers at-a-glance.

How Much do Supplemental Medicare Plans Cost in Hawaii?

The Centers for Medicare and MedicaidMedicaid is a public health insurance program that provides health care coverage to low-income families and individuals in the United States. updates their supplemental cost information annually. We list sample monthly premiums for all Medigap Plans in Hawaii. Premiums reviewed are samples based on a 65-year-old, non-smoking woman and include applicable household discounts. Use our review rates to compare insurance carriers. The rates your health insurance agent quotes will be based on where you live, your age, sex, and use of tobacco products. Call 1-855-728-0510 (TTY 711) to get a quote.

Medigap Plans in Hawaii are Standardized

The Hawaii Department of Insurance and the federal government have worked together to standardize Medicare supplemental insurance policies. Insurance companies must clearly identify plans as Medicare Supplement Insurance and each Medigap policy must use a standardized letter code, A through N. Each lettered plan offers the same benefits, regardless of the carrier offering it. Only the rates are different. That means that a Plan F from AARP (UnitedHealthcare) has exactly the same health coverage as a Plan F from Blue Cross. The lettered plans make supplemental insurance easy to compare and understand vs. the HMO or PPO plans you can get through Medicare AdvantageMedicare Advantage (MA), also known as Medicare Part C, are health plans from private insurance companies that are available to people eligible for Original Medicare (Medicare Part A and Medicare Part B)..

NOTE: Medigap, Medicare Supplements, and Medicare Plans are all names used interchangeably for supplemental insurance that fills the gaps (i.e., copay, coinsurance, and other major medical expenses) in Original Medicare coverage.

Each of the lettered Medicare supplement insurance plans offers the core coverage provided by Plan A. Plans B through N have a varying range of additional coverage. This makes it easier to choose just the right amount of additional insurance you need to pay the gaps in your Medicare Parts A and B benefits.

Insurance companies are free to choose the policies they offer, although Hawaii state laws might affect which ones they can offer. Carriers offering Medicare Plans:

  • Don't have to offer every Medigap plan
  • Must offer Medigap Plan AMedicare Supplement Plan A is often confused with Medicare Part A, which is the Medicare coverage that pays for your inpatient hospital care. Medicare Supplement Plan A, which is also known as Medigap Plan A,... if they offer any Medigap policy
  • Must also offer Plan C or Plan F if they offer any plan

For more information, visit the Hawaii Department of Insurance website at http://cca.hawaii.gov/ins.

Hawaii Med Supp Plan Comparison Chart

The comparison chart below shows the benefits offered by each standardized Medigap plan.

Medigap Benefits A B C D F* G K L M N
Medicare Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefifits are used up Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Medicare Part B Coinsurance or Copayment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes**
Blood (First 3 Pints) Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Part A HospiceHospice is a special way of caring for people who are terminally ill. Hospice care involves a team-oriented approach that addresses the medical, physical, social, emotional, and spiritual needs of the patient. Care Coinsurance or Copayment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Skilled Nursing Facility Care Coinsurance No No Yes Yes Yes Yes 50% 75% Yes Yes
Medicare Part AMedicare Part A is hospital coverage for Medicare beneficiaries. It covers inpatient care in hospitals and skilled nursing facilities. It also covers limited home healthcare services and hospice care. Deductible No Yes Yes Yes Yes Yes 50% 75% 50% Yes
Medicare Part B Deductible No No Yes No Yes No No No No No
Medicare Part B Excess ChargesA Medicare Part B excess charge is the difference between a health care provider’s actual charge and Medicare’s approved amount for payment. No No No No Yes Yes No No No No
Foreign Travel Emergency (Up to Plan Limits) No No Yes Yes Yes Yes No No Yes Yes
Out-of-Pocket Limit*** None None None None None None $5,240 $2,620 None None

* Medicare Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,240 before your Medigap plan pays anything.

** Medicare Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don't result in an inpatient admission.

*** After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.

Are Medigap Plans Better Than Medicare Advantage Plans in Hawaii?

How To Get Prescription Drug Coverage with a Medigap Policy in Hawaii

The only way to get prescription coverage with a Medigap policy is to buy a stand-alone Medicare Part D plan that's available in Hawaii. Basic prescription drug coverage start at less than $20.

If you are about to get your Medicare benefits, you can join a prescription drug plan as soon as you have both your Part A and Part B benefits. But, once your initial enrollment has passed, you'll have to wait until the next open enrollment periodDuring the Medicare Open Enrollment Period, Medicare Advantage and Part D plan members can change, switch, or drop a plan they chose during the Annual Election Period. OEP starts on January 1 and ends on March 31. to enroll or to switch to a new plan. The Annual Election Period is in the Fall from 15 October through 7 December.

NOTE: If you don't enroll in a prescription drug plan when you are first eligible, you will be penalized with additional fees when you do join a plan. You may not have regular prescriptions that you take now, but it pays to join a basic plan to avoid the penalty later.

Still Unsure About How Supplemental Medicare Insurance Works in Hawaii?

Figuring out how to lower your health care costs by reducing your out-of-pocket costsOut-of-Pocket Costs for Medicare are the remaining costs that are not covered by the beneficiary's health insurance plan. These costs can come from the beneficiary's monthly premiums, deductibles, coinsurance, and copayments. is critical for most retirees. Try one of these topics:

  • What are Medicare Supplement Plans?
  • Best Medicare Supplement Plans
  • Medicare Supplement Plans for Disabled Under 65
  • Can I Change Medicare Supplement Plans Anytime?
  • Medicare Supplement Plans With No Premiums
  • How to Choose a Medicare Supplement Plan

Common Questions About Medigap Plans in Hawaii

Here are some common questions we answer about Medicare Supplement plans in Hawaii.

A Hawaii Medigap Plan Does Not Cover Dental

We all need routine dental care and dental restoration work as we age, but it's not covered by Original Medicare or a Medigap plan. For coverage, you'll need a stand-alone Hawaii dental insurance policy.

How expensive are Medicare Supplements in Hawaii?

It's different for everyone who applies. Monthly premiums on Hawaii Medigap plans are based on your age, gender, zip code, the plan you choose, and more. Use our free quote service to find the best rate on your plan.

What insurance companies offer Medigap policies in Hawaii?

Here are your top choices in Hawaii:

  1. AARP
  2. Transamerica
  3. Loyal American
You will find the complete list here.

When should I apply for a Medigap plan in Hawaii?

Unlike Medicare Advantage, there isn't an annual open enrollmentIn health insurance, open enrollment is a period during which a person may enroll in or change their selection of health plan benefits. Health plan enrollment is ordinarily subject to restrictions. period for Medicare Supplement plans. But, in many areas, you only have one chance to apply for a Hawaii Medigap plan without having to answer any health questions. You can learn more here.

Need Local Help?

The State Health Insurance Assistance Programs (SHIPs) provide free, one-on-one insurance counseling and assistance to Medicare beneficiaries, their families and caregivers. The Hawaii SHIP is a grant-funded project of the federal U.S. Department of Health and Human Services (HHS). You can reach them by phone or on their website:

  • 1-888-875-9229; TTY 1-866-810-4379
  • http://www.hawaiiship.org/

Additional Foot Notes

[3] The sample premium is for a 65-year-old, non-smoking, woman living in Hawaii. The rate was accurate on the date of publication. Rates change frequently and they are priced by county. You must contact a licensed agent to get a current rate for your situation.

[4] Review rating stars are derived from MedicareWireMedicareWire is a Medicare insurance consulting agency. We founded MedicareWire after seeing and hearing how confusing and frustrating it is to find, understand, and choose a plan. Our services are free to the consumer. reviews on our Medigap Plan pages.

Citations & References

medicare.gov
  • Medicare.gov: the official U.S. government site for Medicare | Medicare https://www.medicare.gov/
  • Medicare costs at a glance | Medicare https://www.medicare.gov/your-medicare-costs/medicare-costs-at-a-glance
  • Find a Medigap policy that works for you https://www.medicare.gov/find-a-plan/questions/medigap-home.aspx
  • Drug coverage (Part DMedicare Part D plans are an option Medicare beneficiaries can use to get prescription drug coverage. Part D plans provide cost-sharing on covered medications in four different phases: deductible, initial coverage, coverage gap, and catastrophic. Each...) | Medicare http://www.medicare.gov/part-d/index.html
ssa.gov
  • The United States Social Security Administration https://www.ssa.gov/
  • Medicare Benefits | SSA https://www.ssa.gov/benefits/medicare/

The Medicare Supplement information on this page originates from CMS Data Files, is maintained by David Bynon, and was last updated on April 6, 2022.

[1] Licensed Sales Agent

Licensed sales agent (“advisor”) services are provided by HealthCompare Insurance Services, Inc., MedicareWire’s trusted partner. Online enrollment service provided through MedicareEnrollment.com, a HealthCompare affiliate. Read our full sales agent disclosure.

[2] Trademark Notice

MedicareWire uses legal U.S. trademarks to identify and describe Medicare and other insurance products for shoppers. See our full trademark use disclosure.

About MedicareWire

  • About
  • Contact
  • Code of Conduct
  • MCMG Compliance
  • Privacy
  • California Consumer Privacy
  • Disclosure
  • Personally Identifiable Health Information

Copyright © 2022 MedicareWire.com - All Rights Reserved

Get a FREE Medigap Rate Analysis... and Save!


We'll save you money with a FREE Medicare Supplement insurance rate analysis!

The only way to know if you are getting the best deal on your Medicare Supplement insurance is to see all rates from all insurance carriers. That's what we'll send you when you fill out the form below. We won't spam you, call you, or sell your information. That's a promise!

Complete this form and we'll email your free report in 1 business day or less.

  • This field is for validation purposes and should be left unchanged.

Get a FREE Medigap Rate Analysis... and Save!


We'll save you money with a FREE Medicare Supplement insurance rate analysis!

The only way to know if you are getting the best deal on your Medicare Supplement insurance is to see all rates from all insurance carriers. That's what we'll send you when you fill out the form below. We won't spam you, call you, or sell your information. That's a promise!

Complete this form and we'll email your free report in 1 business day or less.

  • This field is for validation purposes and should be left unchanged.