The Best Hawaii Medicare Supplement Plans (2023)

Most eligible people buy Plan F and Plan G since these plans offer the most comprehensive coverage. The average cost of Plan G for a 65-year-old in Hawaii is $131.60 per month, while it costs $229.80 per month for a 75-year-old to buy Plan F in the state.

The third most popular option is Plan N, which offers similar coverage but charges excess rates. It costs an average of $102.40 per month for a 65-year-old in Hawaii.

In this guide, MoneyGeek ranked the best providers for these plans based on average rates and benefits, as defined in our methodology. You can learn more about plan and coverage types by looking at finding the best Medicare Supplement Plan.

MoneyGeek’s research shows that State Farm offers the best Medicare Supplement Plan G in Hawaii at an average cost of $117.55 per month.

Our analysis only includes companies in the state that provide online quotes. There may be other providers available that offer better rates but don’t offer online quotes. You can reach out to these companies directly for more information on their policies.

The average monthly cost of Plan G in Hawaii is $166.50 per month. State Farm offers the cheapest plan in the state at an average price of $117.55 per month, while Cigna is the most expensive provider with an average monthly cost of $156.60.

The cost of Plan G may depend on how old you were when you bought the plan, your current age, discounts and other medical underwriting factors.

In Hawaii, ten companies offer Medicare Supplement Plan G. However, not all of these companies offer online quotes. MoneyGeek gathered the contact information for these companies to help you find the best option that fits your needs. We also analyzed their pricing methods so you can see which companies charge more based on age.

Medigap policies, including Plan G and other plans, are standardized and must offer some certain benefits to customers. In general, Plan G does not cover Part B deductibles and only covers 80% of your foreign travel exchange.

However, some companies offer additional benefits with their plans. State Farm’s foreign travel emergency coverage is an excellent example of such benefits.

In Hawaii, Cigna offers the best Medicare Supplement Plan F at an average monthly cost of $263.75.

MoneyGeek’s rankings only include companies that offer online quotes. You may be able to find other companies that offer competitive rates and better benefits by contacting them directly for more information.

The average cost of Medicare Supplement Plan F in Hawaii is $229.80 per month. Humana, the cheapest company in the state, charges $184.30 per month for this plan, while the most expensive provider, UnitedHealthcare, charges $286.80 per month.

The amount you pay for Plan F depends on your age when you bought the plan, your current age, your discount eligibility and other medical underwriting factors.

MoneyGeek’s research shows that 11 companies offer Medicare Supplement Plan F in Hawaii. However, all companies may not provide online quotes. We researched ways to contact these providers and their pricing methods to help you understand how costs change so you can find the one that fits your needs.

Plan F and other Medigap policies are standardized and must offer certain benefits to their customers. Plan F provides full coverage for all available options, with the exception of foreign travel exchange. All medical expenses incurred while traveling abroad are only covered at 80% up to the policy’s limits.

Providers may offer some additional benefits, like Cigna’s healthy rewards program, which provides discounts on health and wellness programs.

MoneyGeek found that State Farm offers the best Medicare Supplement Plan N in Hawaii. The company charges $90.86 per month for this plan.

Our evaluation only includes companies that offer online quotes to their customers. There might be other providers available in the state that offer better rates and benefits.

On average, it costs $130.50 per month to buy Plan N in Hawaii. The cheapest company in the state for Plan N is State Farm with an average cost of $90.86 per month, while Cigna offers the most expensive plan at an average monthly cost of $124.90

The average cost of Plan N varies depending on your age at the time you bought the plan, your current age, discounts and other medical underwriting factors.

In Hawaii, eight companies offer Medicare Supplement Plan N. However, not all providers have online quotes.

MoneyGeek listed the contact information and pricing style for these providers to help you understand how costs change depending on your age.

All Medigap plans in Hawaii, including Plan N, follow a standard and must provide certain benefits to their customers. However, Plan N does not cover Part B deductibles or excess charges and only covers 80% of your foreign travel exchange.

Companies may also offer additional benefits with their plans. State Farm’s foreign travel emergency coverage is an excellent example of such benefits.

There are other types of plans available in Hawaii, but very few people buy these plans because they don’t offer as much comprehensive coverage. MoneyGeek’s research shows that State Farm, Cigna and UnitedHealthcare are the best options for other plan types in the state.

If you are newly eligible for Medicare after January 1, 2020, you will not be able to buy Plan C in Hawaii or any other state.

Since Medicare Supplement in Hawaii is complicated to understand, MoneyGeek created a chart that includes different plan types and their pricing data. This will help you compare Medicare supplement plans in Hawaii and understand pricing factors.

There are different types of Medigap plans available and each plan offers different levels of coverage. Sometimes, the availability of a plan will depend on when you became eligible for Medicare. While Plan F and Plan C are the most comprehensive, new enrollees can’t buy them. If you’re a new enrollee, your best options are Plan G and Plan D.

You can use MoneyGeek’s chart to compare coverages and average rates.

The cost of Medicare supplement plans generally vary depending on plan type and company. In Hawaii, State Farm is the cheapest option for Plan A, D, N and G, UnitedHealthcare is the most affordable for Plan B, K and L and Humana is the cheapest for Plan C and Plan F.

Companies will use one of three pricing styles to calculate the cost of your premium:

• Attained-Age-Rated: The majority of companies in the state follow Attained-Age pricing style for their plans. In this pricing style, your premium is based on your current age, so as you get older, the cost of your premium will increase.
• Issue-Age: This is the second most common pricing style in the state. Companies calculate your premium based on your age when you bought the plan.
• Community-Rated: The monthly premium is the same for everyone and does not depend on your age.

MoneyGeek answered the following frequently asked questions about Medicare Supplement Plans in Hawaii to help you clear confusions and make a better decision.

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Hawaii for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.