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Are you officially a senior now? Congrats on reaching the golden years of your life. Aging doesn’t mean the way you live your life has to be less fun! Whether you want to spend time amidst the calming deep blue ocean or plan to hike on a mesmerizing mountain trail, nothing should stop you, especially not your age!

People in Hawaii can drive to the peak of dormant volcanoes or take rides in glass-bottomed boats to experience the true beauty of each sunset and sunrise in a completely new way. Activities are abundant at your disposal if you’re living your best life in Hawaii. We know what you’re thinking! What about the risks of injuries and the ever-rising healthcare costs that make it difficult for almost every American citizen to spend any money on leisure?  

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What You Need to Know About Medicare Insurance in Hawaii

Medicare is a federal health insurance program for people who’re 65 or older or those who qualify for disability at any age. People with amyotrophic lateral sclerosis or end-stage renal disease can also qualify for the program.

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People in Hawaii must also consider the type of plan they want as they vary in terms of how you can access specialists, primary care practitioners, and use networks. You can use our Medicare plan finder tool available on our website to check how many Medicare Advantage plans are available in your area. There are four types of Medicare Advantage plans in Hawaii.

Health Maintenance Organization (HMO)

The Health Maintenance Organization is an insurance structure that is very popular in Hawaii since it provides coverage through a network of physicians for a monthly or annual fee. It’s a conglomeration of Medicare insurance providers that offers comprehensive health insurance plans with coverage of medical care provided by your doctors and healthcare providers who are under a contract with them.

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Medigap Options in Hawaii

If you want to stay with Original Medicare, you can sign up for Medigap, a Medicare Supplement insurance coverage, to fill the gaps that come as out-of-pocket costs in Original Medicare. Part A covers 80% of the inpatient care in the hospital, along with skilled nursing facilities. In contrast, Medicare Part B covers 80% of the total outpatient care costs with the necessary medical supplies. Hence, many people opt for a supplemental coverage called the Medigap for the coverage for the leftover 20%.

Currently, around 12 different Medigap plans are being offered in Hawaii. Medigap plan is Medicare supplement insurance offered by private insurance carriers for covering cost-sharing requirements for the Original Medicare Part A and Part B. Although Medicare pays for a significant chunk of the healthcare expenses, you’re still responsible for some costs, typically in the form of copays, deductibles, and coinsurance. Medigap plans not only help pay for these costs but also offer opportunities to add coverage for excess charges or health emergencies during foreign travel.

Medicare supplement programs are labeled from A through N. While there are ten basic Medigap plans, the most popular are Plans F, G, and N.

Medigap Plan F

Through the years, Plan F has become a popular choice because it covers all the gaps left by Medicare Parts A and B. It covers Medicare Part A coinsurance and hospital expenses for up to a year after you’ve used your Medicare benefits. Plan F can also ease the financial burden of coinsurance for hospice or skilled nursing care.

A visit to the doctor is much more comfortable when there are no copayments. All Medicare services should be free of charge for those on Hawaii Medicare Plan F coverage, regardless of the hospital or doctor they’re being provided by.

As of January 1, 2020, Plan F is only available to people whose Part A effective date was before the beginning of 2020.

Medigap Plan G

Plan G covers the same gaps as Plan F, except for the deductible on Part B. Once a year, you will be responsible for paying your own Part B deductible. Many new Medicare subscribers are unable to sign up for Plan F, which is why Plan G is a viable alternative. Aside from this, the plans are identical.

All these options can get confusing, which is where our services come in. Our Medigap and Medicare insurance specialists can offer quotations for any healthcare plan you’re considering. Whichever plan you decide to go with, we can provide you with quotes from various top insurers in Hawaii.

Medigap Plan N

Plan N is another popular option among Hawaii residents. Plan N includes all of Plan G’s coverage except the Part B premiums. If your doctor does not accept Medicare terms and conditions, you may face these expenses.

You’ll also have to front the copay for doctor’s appointments, and hospital stays under Plan N. You will be responsible for up to $20 in-office visits and up to $50 in emergency rooms. Plan N’s rates are often lower than Plan G’s due to these copays.

Medicare Advantage vs. Medigap Plans in Hawaii

You should consider getting supplemental insurance in the form of a Medigap plan if you rely on Original Medicare for your healthcare coverage. Since Medigap plans are designed to supplement the Original Medicare plans, they’re standardized across the United States.

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Enrolment in Hawaii

Once you begin receiving Social Security or Railroad Retirement Board payments at least four months before your 65th birthday, Medicare will register you automatically. Alternatively, you can apply online or at your local Social Security office.

Enrollment in Medicare is open during the following time frames:

Initial Enrollment

Starting three months before your 65th birthday until three months after it, you can enroll for Medicare Parts A and B. For people with qualifying disabilities, this translates to the three months before or after the 25th disability compensation payment.

General Enrollment

If you could not enroll during the initial enrollment period, you get another six-month window from January 1 to March 31 to sign up for Medicare. You can enroll in Medicare and Medicare Advantage plans during this period.

Open Enrollment

This enrollment runs from October 15 to December 7 each year. You can enroll in, opt out of, or adjust your Medicare Part C or D plans.

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Why Trust the Medicare Insurance Agents at Integrity Now Insurance?

As an independent Medicare insurance broker, we have one goal: to serve your best interests. We will help you compare quotes and weigh your options so you can settle on an affordable and appropriate Medicare insurance plan.

As an independent Medicare insurance brokerage, we have access to all Medicare insurance carriers in Hawaii. Our independence enables us to give objective recommendations on the best Medicare insurance company for you.

Our insurance agents in Hawaii are licensed and well-versed in the local policies. Most clients are intimidated by hefty consultation fees and decide to do things independently. Luckily, we offer all our assistance free of charge!

Call us to speak with one of our representatives and get started today!

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