Medicare Supplemental Plans Hawaii Medigap Insurance

Can I get a Medigap Plan F or has it Gone Away?

In 2020 you will no longer be able to purchase a Medicare Supplement Plan F in Hawaii. However, if you get a Plan F policy in Hawaii now you will be able to keep it. These highly valuable supplemental plans are being phased out as a cost cutting measure for the government. The theory is that seniors will stop seeing their doctor if they have to pay out-of-pocket.

Join a Hawaii Medicare Part D Plan for Rx Coverage

Supplements don't and can't cover your prescriptions. This is a change from years past. By law, supplemental insurance must cover what Original Medicare covers, and nothing more. The only exception is foreign travel coverage.

Here's the complete list of Medicare Prescription Drug Plans available in Hawaii.

Hawaii has Standardized Medicare Supplements

The Hawaii Department of Insurance and the federal government passed laws that require insurance carriers to standardize Medicare Supplemental insurance. Plans must be identified as Medicare Supplement Insurance and plans must follow the state's standardized naming convention. Each standardized plan offers the same benefits. Only the monthly premiums, and how the premiums are calculated, may vary.

Each lettered plan offers the basic coverage of Plan A. Plans B through N offer different levels of gap coverage, including some with annual out-of-pocket limits. This gives people significant range of choice based on the amount of insurance needed.

Carriers are free to market the the policies they want, with these simple limitations:

1. Carriers are not required to offer every plan
2. Plan A is mandatory
3. Plan C or F must be offered

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

Got Dental?

Just a friendly remainder that Medicare does not cover routine dental care. We have a complete catalog of Hawaii dental insurance for seniors.