Medicare Supplement Plans in Hawaii
On this page we help consumers: Compare Hawaii Medicare supplemental insurance. See premiums, fees, and reviews on all HI Medigap plans, including Plan F, G, and N.
| 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 | | |
Compare Plan RatesThe average Hawaii senior compares three or more quotes before making an enrollment decision. | |||||
Top 10 Medicare Supplement Plans in Hawaii
Looking for the best Plan F, G or N available to Hawaii seniors?
- 10 Best Medicare Supplement Plan F
- 10 Best Medicare Supplement Plan G
- 10 Best Medicare Supplement Plan N
Looking for a different plan? Compare all Medicare supplement plans here.
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):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| State Farm | $125.03 | None | |
| AARP | $125.88 | None | |
| USAA Life | $142.63 | None | |
| Globe Life | $149.00 | None | |
| United American | $193.00 | None | |
| Mutual of Omaha | $231.93 | None | |
| Transamerica | $129.57 | $25.00 | |
| Loyal American | $130.56 | $20.00 | |
| Humana | $171.70 | None | |
| 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):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| AARP | $106.41 | None | |
| Transamerica | $107.56 | $25.00 | |
| Loyal American | $112.27 | $20.00 | |
| NOTE: Medigap Plan G is identical to Plan F, with one exception. A Plan G policy does not pay your Medicare Part B annual deductible. 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 coinsurance 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):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| AARP | $77.94 | None | |
| USAA Life | $102.68 | None | |
| 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 copayment for office visits and up to $50 for emergency room visits. | |||
Abour our Hawaii Supplemental Medicare Insurance Reviews
We evaluate all Medicare Supplement companies servicing policies in Hawaii. Our reviews are unbiased. We use a mathematical formula that considers years in business, A.M. Best financial strength rating plans serviced, plan premiums and fees. We do not evaluate rate increase history, so be sure to ask your agent to provide this information.
We review Medicare Supplement Plans in Hawaii head-to-head, statewide. We recommend consumers use our 5-star ratings as one aspect of their decision-making process. It helps compare insurance carriers at-a-glance. Call 1-855-266-4865 to speak with an agent and get a quote.
How Much do Medicare Supplement Plans Cost in Hawaii?
We show estimated monthly premiums for all Medicare Supplement Plans in Hawaii. Premiums shown come from our most recent review of each carrier and are based on a 65-year-old, non-smoking woman. Use our rates to compare carriers. Your agent will quote your final rate based on where you live, your current age, sex, and use of tobacco. Call 1-855-266-4865 to speak with an agent and get a quote.
Hawaii Medigap Plans are Standardized
Hawaii Medicare Supplement insurance carriers are required to adhere to state and federal laws that are designed to protect consumers. Medigap plans must be clearly identified as Medicare Supplement Insurance. Each standardized Medicare Plan is identified by letters A through N and must offer the same identical benefits as all other plans with the same letter. The only variance is the monthly premium.
NOTE: Medigap, Medicare Supplements and Medicare Plans are all names used interchangeably for supplemental insurance that fills the gaps in Original Medicare coverage.
All Hawaii Medicare supplement policies offer the same basic benefits, however, some offer additional gap coverage. This allows you to choose the amount of insurance you need.
Each insurance company decides which policies it wants to sell, although state laws might affect which ones they offer. Insurance companies that sell Medicare supplemental insurance:
- Don't have to offer every Medigap plan
- Must offer 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 Medigap 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 Hospice 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 A 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 Charges | 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.
Got questions about Medicare Supplement Insurance in Hawaii?
Try one of these answers:
- What are Medicare Supplement Plans?
- Medicare Supplement Plans Comparison Chart
- Best Medicare Supplement Plans
- Best medicare Supplement Plans Reviews
- Are Medicare Supplement Plans Worth it?
- Medicare Supplement Plans for Disabled Under 65
- Can I Change Medicare Supplement Plans Anytime?
- Medicare Supplement vs Advantage Plans
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] Sample premium is for a 65 year old, non smoking, woman living in Hawaii. The rate was accurate on 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 MedicareWire reviews on our Medigap Plan pages.
The Medicare Supplement information on this page originates from CMS Data Files, is maintained by David Bynon, and was last updated on .