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Hawaii Medigap Plans 2021: Costs, Benefits, Coverage

Updated:
May 1, 2021

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Hawaii Medigap Plan Overview

  • In Hawaii, about 280,000 people are covered by Medicare.
  • Around 45 percent of Hawaii Medicare recipients choose private healthcare insurance policies for coverage.
  • In 2020, Hawaii residents will have a choice of six to twenty Medicare Advantage plans, depending on their district.
  • In Hawaii, thirteen insurers sell Medigap policies.
  • Under Hawaii rule, enrollees under the age of 65 have the same access to Medigap plans as those 65 and up.
  • Medicare Part D drug coverage is available to over 200,000 Hawaii Medicare beneficiaries.
  • In Hawaii, per-enrollee Medicare spending is the lowest in the nation.

How many Hawaiians have Medicare coverage?


In July 2020, 280,006 Hawaii residents were enrolled in Medicare, accounting for approximately 20% of the state's population.

For the vast majority of Americans, applying for Medicare is an integral part of reaching the age of 65. People under the age of 65 who have been getting disability insurance for at least two years, or who have ALS or end-stage renal disease, will still get Medicare coverage. Since they are at least 65 years old, 85 percent of Medicare recipients are qualified nationwide, while the remaining 15% are under 65.

Hawaii has the lowest number of disabled Medicare beneficiaries in any state in the country: only 9% of Hawaii's Medicare beneficiaries are under 65 and qualified due to a disability (and only 8% of the Virgin Islands' Medicare beneficiaries are under 65 if we include U.S. territories). The remaining 91 percent of Hawaii's Medicare recipients are eligible due to their age.

Medigap in Hawaii


Medigap programs complement Original Medicare by covering some or all of the out-of-pocket costs (such as coinsurance and deductibles) that individuals would otherwise face if they only had Original Medicare.

There will be 13 insurers selling Medigap services in Hawaii by 2020.

Federal laws govern Medigap programs, but states are free to add their own rules. The Hawaii Medigap regulations can be found here.

All Medigap insurers must sell all policies on a guaranteed-issue basis (without changing premiums based on medical underwriting) to any enrollee during the six-month window that starts when the individual enrolls in Medicare Part B (see 16-12-6.2). This is true in Hawaii regardless of age. A six-month guaranteed-issue open enrollment window is available under federal law, but only for people who are enrolled in Part B and are 65 years old. As a result, Hawaii's legislation applies the same rights to individuals under the age of 65 who are eligible for Medicare due to a disability. As previously stated, Hawaii has the lowest percentage of beneficiaries qualifying for Medicare because of a disability in the nation.

The majority of states have passed legislation to ensure that enrollees under the age of 65 have some access to Medigap policies, but Hawaii, unlike the majority of them, still forbids Medigap insurers from offering higher rates for individuals under the age of 65 who are disabled. In other jurisdictions, it's normal to see under-65 Medigap plans sold with premiums well above those for people over 65, but this isn't the case in Hawaii.

Compare Hawaii Medicare Supplement Plans for 2021

You can expect to pay $87-$528 for a Medigap Plan A in Hawaii. This plan cost is based on Honolulu, HI and the zipcode 96813 for the genders: MF and the age: 65.

Hawaii Medigap Plan A 2021 Cost

Age
Gender
Premium Low
Premium High
65
MF
$
87
$
528
Part A Deductible
Part B Deductible
Copays
$
1484
$
203
$
0

Medigap Plan A

Benefits

Medigap Plan A

Exclusions

Skilled nursing facility is not available
Part A deductible is not available
Part B deductible is not available
Part B excess charges is not available
Foreign travel emergency is not available
Learn More About:
Medigap Plan A
You can expect to pay $115-$575 for a Medigap Plan B in Hawaii. This plan cost is based on Honolulu, HI and the zipcode 96813 for the genders: MF and the age: 65.

Hawaii Medigap Plan B 2021 Cost

Age
Gender
Premium Low
Premium High
65
MF
$
115
$
575
Part A Deductible
Part B Deductible
Copays
$
0
$
203
$
0

Medigap Plan B

Benefits

Part A deductible is available

Medigap Plan B

Exclusions

Skilled nursing facility is not available
Part B deductible is not available
Part B excess charges is not available
Foreign travel emergency is not available
Learn More About:
Medigap Plan B
You can expect to pay $137-$724 for a Medigap Plan C in Hawaii. This plan cost is based on Honolulu, HI and the zipcode 96813 for the genders: MF and the age: 65.

Hawaii Medigap Plan C 2021 Cost

Age
Gender
Premium Low
Premium High
65
MF
$
137
$
724
Part A Deductible
Part B Deductible
Copays
$
0
$
0
$
0

Medigap Plan C

Benefits

Skilled nursing facility is available
Part A deductible is available
Part B deductible is available
Foreign travel emergency is available

Medigap Plan C

Exclusions

Part B excess charges is not available
Learn More About:
Medigap Plan C
You can expect to pay $115-$490 for a Medigap Plan D in Hawaii. This plan cost is based on Honolulu, HI and the zipcode 96813 for the genders: MF and the age: 65.

Hawaii Medigap Plan D 2021 Cost

Age
Gender
Premium Low
Premium High
65
MF
$
115
$
490
Part A Deductible
Part B Deductible
Copays
$
0
$
203
$
0

Medigap Plan D

Benefits

Skilled nursing facility is available
Part A deductible is available
Foreign travel emergency is available

Medigap Plan D

Exclusions

Part B deductible is not available
Part B excess charges is not available
Learn More About:
Medigap Plan D
You can expect to pay $137-$813 for a Medigap Plan F in Hawaii. This plan cost is based on Honolulu, HI and the zipcode 96813 for the genders: MF and the age: 65.

Hawaii Medigap Plan F 2021 Cost

Age
Gender
Premium Low
Premium High
65
MF
$
137
$
813
Part A Deductible
Part B Deductible
Copays
$
0
$
0
$
0

Medigap Plan F

Benefits

Skilled nursing facility is available
Part A deductible is available
Part B deductible is available
Part B excess charges is available
Foreign travel emergency is available

Medigap Plan F

Exclusions

Learn More About:
Medigap Plan F
You can expect to pay $32-$166 for a Medigap Plan F-high deductible in Hawaii. This plan cost is based on Honolulu, HI and the zipcode 96813 for the genders: MF and the age: 65.

Hawaii Medigap Plan F-high deductible 2021 Cost

Age
Gender
Premium Low
Premium High
65
MF
$
32
$
166
Part A Deductible
Part B Deductible
Copays
$
2370
$
0
$
0

Medigap Plan F-high deductible

Benefits

Skilled nursing facility is available
Part A deductible is available
Part B deductible is available
Part B excess charges is available
Foreign travel emergency is available

Medigap Plan F-high deductible

Exclusions

You can expect to pay $110-$800 for a Medigap Plan G in Hawaii. This plan cost is based on Honolulu, HI and the zipcode 96813 for the genders: MF and the age: 65.

Hawaii Medigap Plan G 2021 Cost

Age
Gender
Premium Low
Premium High
65
MF
$
110
$
800
Part A Deductible
Part B Deductible
Copays
$
0
$
203
$
0

Medigap Plan G

Benefits

Skilled nursing facility is available
Part A deductible is available
Part B excess charges is available
Foreign travel emergency is available

Medigap Plan G

Exclusions

Part B deductible is not available
Learn More About:
Medigap Plan G
You can expect to pay $32-$158 for a Medigap Plan G-high deductible in Hawaii. This plan cost is based on Honolulu, HI and the zipcode 96813 for the genders: MF and the age: 65.

Hawaii Medigap Plan G-high deductible 2021 Cost

Age
Gender
Premium Low
Premium High
65
MF
$
32
$
158
Part A Deductible
Part B Deductible
Copays
$
2370
$
0
$
0

Medigap Plan G-high deductible

Benefits

Skilled nursing facility is available
Part A deductible is available
Part B excess charges is available
Foreign travel emergency is available

Medigap Plan G-high deductible

Exclusions

Part B deductible is not available
You can expect to pay $39-$268 for a Medigap Plan K in Hawaii. This plan cost is based on Honolulu, HI and the zipcode 96813 for the genders: MF and the age: 65.

Hawaii Medigap Plan K 2021 Cost

Age
Gender
Premium Low
Premium High
65
MF
$
39
$
268
Part A Deductible
Part B Deductible
Copays
$
742
$
203
$
10

Medigap Plan K

Benefits

Skilled nursing facility is available
Part A deductible is available

Medigap Plan K

Exclusions

Part B deductible is not available
Part B excess charges is not available
Foreign travel emergency is not available
Learn More About:
Medigap Plan K
You can expect to pay $76-$388 for a Medigap Plan L in Hawaii. This plan cost is based on Honolulu, HI and the zipcode 96813 for the genders: MF and the age: 65.

Hawaii Medigap Plan L 2021 Cost

Age
Gender
Premium Low
Premium High
65
MF
$
76
$
388
Part A Deductible
Part B Deductible
Copays
$
371
$
203
$
5

Medigap Plan L

Benefits

Skilled nursing facility is available
Part A deductible is available

Medigap Plan L

Exclusions

Part B deductible is not available
Part B excess charges is not available
Foreign travel emergency is not available
Learn More About:
Medigap Plan L
You can expect to pay $94-$240 for a Medigap Plan M in Hawaii. This plan cost is based on Honolulu, HI and the zipcode 96813 for the genders: MF and the age: 65.

Hawaii Medigap Plan M 2021 Cost

Age
Gender
Premium Low
Premium High
65
MF
$
94
$
240
Part A Deductible
Part B Deductible
Copays
$
742
$
203
$
0

Medigap Plan M

Benefits

Skilled nursing facility is available
Part A deductible is available
Foreign travel emergency is available

Medigap Plan M

Exclusions

Part B deductible is not available
Part B excess charges is not available
Learn More About:
Medigap Plan M
You can expect to pay $79-$397 for a Medigap Plan N in Hawaii. This plan cost is based on Honolulu, HI and the zipcode 96813 for the genders: MF and the age: 65.

Hawaii Medigap Plan N 2021 Cost

Age
Gender
Premium Low
Premium High
65
MF
$
79
$
397
Part A Deductible
Part B Deductible
Copays
$
0
$
203
$
0

Medigap Plan N

Benefits

Skilled nursing facility is available
Part A deductible is available
Foreign travel emergency is available

Medigap Plan N

Exclusions

Part B deductible is not available
Part B excess charges is not available
Learn More About:
Medigap Plan N