The Best Hawaii Medicare Supplement Plans (2022)

MoneyGeek found that companies offer ten Medicare Supplement Plans, also known as Medigap plans, for individuals looking to buy a plan in Hawaii. However, the availability of certain plans depends on when you became eligible for medicare.

For Plans G, F and N, our analysis shows Cigna and State Farm provide the best Medicare Supplement Plans in Hawaii.

It’s important to note that you can’t combine a Medigap plan with Medicare Advantage Plans in Hawaii or other states, as a Medicare Advantage Plan will replace all your Medicare plans, including Original Medicare.

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Last Updated: 9/14/2022
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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.

iconribbonBestMedigapHawaii2022

Best Medicare Supplement Plans in Hawaii

Best Medicare Supplement Plan G in Hawaii

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.

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MoneyGeek Top Pick
State Farm
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $117.55

State Farm's Plan G costs $117.55 per month, which is approximately $49 less than the average cost of Plan G in Hawaii.

The company offers foreign travel emergency coverage with its plan, which means that if you run into an emergency while traveling abroad, State Farm will cover your expenses.

MORE ABOUT PLAN G IN HAWAII

Navigate to learn more about Medigap Plan G in Hawaii, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan G in Hawaii

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.

Sort by Age:

65

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  • Company
    Sample Monthly Rate
  • State Farm
    $118
  • Humana
    $122
  • UnitedHealthcare
    $139
  • Cigna
    $157

Providers Offering Plan G in Hawaii

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.

Providers Offering Plan G in Hawaii

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  • Company
    Contact Number
    Pricing Style
  • Colonial Penn
    1-877-877-8052
    Attained Age
  • Globe Life
    1-888-678-3403
    Attained Age
  • Humana
    1-800-457-4708
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Mutual of Omaha
    (855) 977-6312
    Attained Age
  • State Farm
    800-782-8332
    Attained Age
  • USAA
    800-531-8722
    Attained Age
  • United American
    (800) 331-2512
    Attained Age

What Does Plan G Cover?

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.

Required Benefits of Plan G in Hawaii
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in Hawaii

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.

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MoneyGeek Top Pick
Cigna Medicare
  • MoneyGeek Score: 90 out of 100
  • Average Monthly Rate: $263.75

The average cost of Plan F in Hawaii is $229.80 per month, which is approximately $34 less than the cost of Cigna’s Plan F. Cigna offers a range of benefits with its plans. Through its healthy rewards program, you can receive discounts on health and wellness programs and services.

The company also offers access to a 24/7 health information line and covers emergency expenses incurred while traveling abroad.

MORE ABOUT PLAN F IN HAWAII

Navigate to learn more about Medigap Plan F in Hawaii, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan F in Hawaii

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.

Sort by Age:

75

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  • Company
    Sample Monthly Rate
  • Humana
    $184
  • Cigna
    $264
  • UnitedHealthcare
    $287

Providers Offering Plan F in Hawaii

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.

Providers Offering Plan F in Hawaii

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  • Company
    Contact Number
    Pricing Style
  • Colonial Penn
    1-877-877-8052
    Attained Age
  • Globe Life
    1-888-678-3403
    Attained Age
  • Humana
    1-800-457-4708
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Mutual of Omaha
    (855) 977-6312
    Attained Age
  • Sentinel Security Life
    1-800-247-1423
    Attained Age
  • State Farm
    800-782-8332
    Attained Age
  • USAA
    800-531-8722
    Attained Age

What Does Plan F Cover?

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.

Required Benefits of Plan F in Hawaii
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in Hawaii

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.

mglogo
MoneyGeek Top Pick
State Farm
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $90.86

The average cost of Medicare Supplement Plan N in Hawaii is $130.50 per month, which is approximately $40 more than the cost of State Farm’s Plan N.

With State Farm, you get foreign travel emergency coverage, which covers the cost of emergencies experienced while traveling internationally.

MORE ABOUT PLAN N IN HAWAII

Navigate to learn more about Medigap Plan N in Hawaii, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan N in Hawaii

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.

Sort by Age:

65

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  • Company
    Sample Monthly Rate
  • State Farm
    $91
  • UnitedHealthcare
    $91
  • Cigna
    $125

Providers Offering Plan N in Hawaii

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.

Providers Offering Plan N in Hawaii

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  • Company
    Contact Number
    Pricing Style
  • Colonial Penn
    1-877-877-8052
    Attained Age
  • Globe Life
    1-888-678-3403
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Mutual of Omaha
    (855) 977-6312
    Attained Age
  • State Farm
    800-782-8332
    Attained Age
  • USAA
    800-531-8722
    Attained Age
  • UnitedHealthcare
    1-888-378-0849
    Community
  • Transamerica
    800-797-2643
    Issue-Age Pricing

What Does Plan N Cover?

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.

Required Benefits of Plan N in Hawaii
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in Hawaii: Other Plan Types

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.

The Best Medicare Supplement in Hawaii - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    State Farm

    $111.77

  • B

    UnitedHealthcare

    $133.76

  • C

    UnitedHealthcare

    $271.42

  • D

    State Farm

    $117.38

  • F

    Cigna

    $263.75

  • G

    State Farm

    $117.55

  • K

    UnitedHealthcare

    $46.56

  • L

    UnitedHealthcare

    $88.96

  • N

    State Farm

    $90.86

How to Find the Best Medicare Supplement Plans in Hawaii

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.

Hawaii Medicare Supplement Plans Comparison Chart

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.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in Hawaii

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.
Average Cost of Medicare Supplement in Hawaii

Sort by Plan Letter:

65

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  • Company
    Sample Monthly Rate
  • State Farm
    $112
  • UnitedHealthcare
    $119
  • Humana
    $135
  • Cigna
    $158

FAQs About Medicare Supplement Plans in Hawaii

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

Methodology

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%.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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