Hawaii Senior Health Insurance Tips (HI)
Medicare advantage plans in Hawaii are eligible to the citizens who are over 65 years old and receiving Social Security benefits. The individuals who are under 65 and are disabled or have a chronic condition may also qualify for Medicare coverage. There are four forms of Medicare plans available in Hawaii, Part A, Part B, Part C, and Part D*. You automatically receive Part A coverage once you are enrolled with Medicare - this is known simply as Hospital Insurance because it mostly covers your hospital admissions. You have the option of choosing to add on the Part B plan to your policy. If you decide to do so, you will be required to pay a premium rate; the coverage will take care of your doctor visits, outpatient care and durable medical equipment expenses.
The Part D plan is also an option that you can add to your Medicare policy - it will help cover your prescription drugs. Only about 80% of medical expenses are covered by Medicare (the same goes for other states around the U.S.). With that being known, some people decide to get supplemental Medicare insurance to cover the remaining costs.
Helpful Programs for Seniors in HI
Seniors in the Aloha state may have a helping hand when it comes to navigating the maze of the state's health care system. Thanks to the Honolulu Gerontology Program, many senior are receiving assistance through the many employed case managers. Case managers are familiar with many of the resources available to seniors in the area, and take the time to get to know the senior and what their needs may be.It is this case manager's job to ensure that all services are coordinated and well understood by the senior seeking them; not an easy task when trying to decipher things in the phone book or on the internet. There is extensive follow-up once a case manager is involved with the senior to make certain services are being provided on an on-going basis, which not only reassures the senior but their concerned family as well.
Providers for Medicare plans available in Hawaii1
* You may be able to get extra help to pay for your prescription drug premiums and costs. To see if you qualify for getting extra help, call:
1-800-MEDICARE (1-800-633-4227). TTY/TDD users should call 1-877-486-2048, 24 hours a day/7 days a week;
The Social Security Administration at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY/TDD users should call, 1-800-325-0778; or Your State Medicaid Office