Medicare Supplement Insurance Hawaii

Is Medicare Supplement Plan F Going Away in Hawaii?

The highly prized Medigap Plan F is about to be a thing of the past. The government is forcing it out as a way to cut costs. The good news is that you can keep it if you have it. Will it actually cut Medicare cost in Hawaii? It's anyone's guess, but the theory is that seniors will use their doctor less often if they have to pay out-of-pocket.

Join a Hawaii Medicare Part D Plan for Rx Coverage

A supplement does not pay for your prescriptions. By law, supplemental insurance must cover Original Medicare covers, and nothing more. Foreign travel coverage is the only exception. To get help with your prescriptions, you'll need to join a Hawaii Medicare Part D plan.

Hawaii Medicare Supplement Plans are Standardized

By law, all Medicare Supplements sold in the state of Hawaii are standardized. This means that every policy must be clearly identified as Medicare Supplement Insurance and it must offer the exact coverage allowed. This allows all plans to compete on price (premium).

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.