bestMedicare AdvantageHawaiiBest Hawaii Medicare Advantage Plans
Updated: May 6, 2024
Advertising & Editorial Disclosure
MoneyGeek applied the five-star quality rating system used by the Centers for Medicare & Medicaid Services (CMS) to determine the most widely available and highly rated plans in Hawaii. We then rated policies based on the type of plan, your drug coverage needs and whether you want to keep out-of-pocket costs to a minimum.
It should be noted that MoneyGeek's recommendations are merely generalizations. You should look around for a Medicare Advantage plan that meets your needs, making sure that the hospitals and providers in your network participate in the plan.
If you're not looking for a Medicare Advantage plan but want to cover out-of-pocket costs that your base Medicare plan doesn't cover, MoneyGeek also ranked the best Medicare Supplement Plans in Hawaii.
bestMedicare AdvantageHawaiiBest Medicare Advantage Plans in Hawaii
Best Medicare Advantage Plan in Hawaii - Overall
The best Medicare Advantage Plan for each person depends on their specific needs. According to our analysis, a sample Hawaii buyer looking for a PPO plan with prescription coverage, six core benefits and a high CMS star rating can look to Humana's HumanaChoice H5216-233 (PPO) as the best plan.
PPO plans, which have a larger network, are the state's second-most popular option. They allow policyholders to get healthcare services from in-network and out-of-network doctors and specialists without the need for a referral. However, due to their flexibility, the plans can be costly.
Humana
MoneyGeek found that HumanaChoice H5216-233 (PPO) is the best PPO plan in Hawaii. However, the best option for you will depend on your specific circumstances.
Overall, Humana Choice H5216-233 has the following features:
- No monthly premium
- Drug coverage with a $275 deductible
- $6,700 maximum out-of-pocket payment in-network
- A four-star overall rating from CMS out of five
The plan includes all six common supplementary benefits: vision, dental, hearing, fitness, worldwide emergency and telehealth. This policy also covers Part D drug coverage. Frequent travelers can also benefit from this plan, which includes worldwide emergency coverage.
Consider your individual needs while settling on a health insurance plan — it's possible that Humana Choice H5216-233 isn't the best option for your specific requirements.
Best HMO Medicare Advantage Plan in Hawaii
Again, your unique healthcare requirements matter while choosing an HMO Medicare Advantage Plan. For an average shopper from Hawaii looking for an HMO plan with drug coverage, six core benefits and a high star rating from CMS, Humana's Humana Gold Plus H0028-048 (HMO) is the best plan.
HMO plans are typically cheaper, but they only cover care from in-network hospitals and doctors. If required, your primary care doctor will recommend you to a specialist within the network. These plans cover the services used through out-of-network providers only during emergencies. They work for you if you want lower premiums and have easy access to in-network providers.
Humana
Humana's Humana Gold Plus H0028-048 (HMO) plan offers the best alternative for the sample Hawaiian health insurance shopper, according to MoneyGeek’s analysis. This policy includes the following features:
- No monthly premium
- Drug coverage with $250 deductible
- An in-network, max-out-of-pocket limit of $5,850
- A high 4.5-star rating from CMS
Hawaii's Humana Gold Plus H0028-048 (HMO) plan includes all six most common additional benefits: vision, hearing, fitness, dental, worldwide emergency and telehealth, as well as Part D drug coverage. It also received a high CMS rating.
Best Medicare Advantage Plan in Hawaii Without Drug Coverage
If you don't require Part D prescription drug coverage, you can pursue various other choices. Kaiser Permanente Senior Advantage Basic (HMO) from Kaiser Permanente is the best Medicare Advantage plan in Hawaii for those looking for a Medicare Advantage plan without drug coverage. This plan features the six core benefits and received the best CMS star rating possible.
Kaiser Permanente
Whether or not you need drug coverage, MoneyGeek found that Kaiser Permanente Senior Advantage Basic (HMO) from Kaiser Permanente is the best option for Hawaii’s residents. In addition, it has the following features:
- Monthly premium of $59
- An in-network, max-out-of-pocket limit of $7,500
- An excellent 5 out of 5 rating from CMS
Aside from its outstanding CMS rating, the plan includes all six of the most common core benefits, including vision, dental, fitness, hearing, telehealth and worldwide emergency.
Best Medicare Advantage Plan in Hawaii for Low Max Out-of-Pocket Costs
Due to low or no premiums, many Medicare Advantage plans may result in out-of-pocket costs of hundreds or thousands of dollars. Look for plans with low out-of-pocket costs to avoid having to pay a significant bill.
According to MoneyGeek's research, UnitedHealthcare's AARP Medicare Advantage Choice Plan 2 (PPO) offers the lowest maximum out-of-pocket cost in Hawaii. It provides six core benefits and drug coverage and has a high CMS star rating.
AARP
Excluding plans with high maximum out-of-pocket costs, MoneyGeek found that AARP Medicare Advantage Choice Plan 2 (PPO) is the best option in Hawaii for individuals seeking low-out-of-pocket-cost plans with or without prescription coverage. This plan includes the following:
- A monthly premium of $55
- An in-network max out-of-pocket limit of $5,100
- A 4 out of 5 star CMS rating
Having a low maximum out-of-pocket medical expense plan helps you avoid large medical bills, especially if your medical expenses are significantly high. AARP Medicare Advantage Choice Plan 2 (PPO) covers in-network costs as soon as you reach the maximum out-of-pocket fee of $5,100. As a PPO plan, the maximum out-of-pocket expense differs for out-of-network coverages, which is $10,000 in this case.
Medicare Advantage Plan in Hawaii - Statistics
Hawaiians can choose from six different healthcare organizations when looking for Medicare Advantage plans. The figures in the next section explore some of these plans' components. Knowing these figures can help you determine which components are widely available, along with which components are scarce.
- 1
Hawaii has a combination of Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans, with 67.8% of plans offering drug coverage.
In Hawaii, PPO plans account for the vast majority of Medicare Advantage plans. Customers can also consider HMO plans, which account for around 23.2% of available policies. Drug coverage is provided by 67.8% of policies in the state.
- 2
In Hawaii, 39% of Medicare Advantage Plans have no premium.
In Hawaii, there are nine different plans with no premium. That equates to 39% of all Medicare Advantage Plans in the market. In comparison, the remaining 61% require a monthly premium, which averages to $73.60.
- 3
Hearing, fitness benefit, worldwide emergency and telehealth benefits are common in Hawaii’s Medicare Advantage plans.
The four most common benefits provided by Medicare Advantage Plans in Hawaii are hearing, fitness benefit, worldwide emergency and telehealth. Hearing benefits are included in all plans, while the rest of the benefits are covered by 91% of the policies. Home safety devices and modifications, in-home support and emergency response devices are the most uncommon. You may have to shop around to find policies offering these benefits.
Methodology
MoneyGeek collected data from the Centers for Medicare & Medicaid Services 2022 MA Landscape Source Files, released in October 2021. We filtered plans in Hawaii down to those that offer drug coverage (unless otherwise noted), offer six of the most common Medicare Advantage coverage benefits and are available to at least 50% of the population of Hawaii, based on county availability.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.