Summary: Medicare in Hawaii includes several plan options. Original Medicare is from the federal government and includes Part A and Part B. Medicare Part C, also called Medicare Advantage, is another way to get your Medicare benefits. Medicare Part D plans cover prescription drugs.
Original Medicare in Hawaii
Original Medicare consists of two parts:
- Medicare Part A, hospital insurance, and
- Medicare Part B, medical insurance
You’re usually automatically enrolled in Medicare. This happens when you’re already receiving Social Security Administration (SSA) or Railroad Retirement Board (RRB) benefits when you turn 65. This may also happen if you have a qualifying disability.
You may also be eligible for Medicare in Hawaii before the age of 65. What if you’ve been receiving disability benefits from the SSA or RRB for 24 months in a row? You might be enrolled in Part A and Part B automatically.
You might also qualify for Medicare before you turn 65 if you have:
- Amyotrophic lateral sclerosis (ALS) or
- End-stage renal disease (ESRD)
What if you’re not automatically enrolled? You can enroll in Medicare in Hawaii during the Medicare Initial Enrollment Period (IEP). Here’s how the seven-month IEP works:
- It begins three months before the month you turn 65,
- Includes your birthday month, and
- Ends three months after that month
You can also enroll during the General Enrollment Period. This takes place from January 1 to March 31. However, if you miss your IEP and enroll in Medicare at a later date, you might have to pay higher premiums. This is the Medicare late enrollment penalty.
Medicare in Hawaii: Medicare Part A
In Hawaii, you can generally enroll in Part A without paying a monthly premium. If you’ve worked for at least 10 years while paying Medicare taxes, Part A is generally premium-free.
Medicare Part A includes:
- Hospital care
- Skilled nursing facility care
- Nursing home care
- Hospice care
- Limited home health services
Medicare in Hawaii: Medicare Part B
Medicare Part B provides medical insurance. It has a monthly premium. Part B provides services and supplies such as:
- Clinical research
- Ambulance services
- Durable medical equipment
- Mental health
- Second opinion before surgery
- Limited outpatient prescription drugs
This is not a complete list.
Medicare in Hawaii Plan Options
You may have several plan choices for Medicare in Hawaii. These options are described in greater detail below.
Medicare Advantage, also called Medicare Part C, offers another way to get your Part A and Part B benefits. Some Medicare Advantage plans have extra benefits. These may include routine dental, vision, or hearing benefits. These plans are offered by private insurance companies that contract with Medicare.
What if you want health and prescription drug coverage through a single plan? You may be able to enroll in a Medicare Advantage prescription drug plan. You need tohave Part A and Part B to qualify for any Medicare Advantage plan.
Some Hawaii Medicare Advantage plans may have a $0 monthly premium in 2020. If you sign up for a Medicare Advantage plan, you have to continue paying the Part B premium. You also need to pay any plan premium.
To learn more, read about Medicare Advantage plans in Hawaii.
Medigap (Medicare Supplement) insurance plans are also offered by private insurance companies. These plans can help you pay your out-of-pocket costs for services covered under Part A and Part B.
You can find out more about Medicare Supplement plans in Hawaii.
Original Medicare includes limited prescription drug coverage. It doesn’t cover most medications you would take at home. You can add this benefit through a stand-alone Medicare Part D prescription drug plan.
Medicare prescription drug plans may have different costs. These may include:
- A monthly premium
- Annual deductible
- Copayment or coinsurance
These plans work alongside Original Medicare. They are offered by private insurance companies that contract with Medicare.
For more information, read about Medicare Part D in Hawaii.
Your plan options in Hawaii will depend on your county. Plan choices in Honolulu may be different than in Hilo.
Beneficiary resources for Medicare in Hawaii
Here is a resource for Hawaii Medicare that may be helpful to you:
- State Department of Insurance, 1-808-586-2790, 7:45AM – 4:30PM Monday through Friday
Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.
The product and service descriptions, if any, provided on these PlanPrescriber Web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.