Get the Medicare Help You Need From a Trusted Source

Seniors can benefit from all the Medicare benefits available to them, but choosing the right Medicare plan can be confusing—particularly if you’re constantly flooded with unnecessary information. At Insurance Options Hawaii, we help Medicare beneficiaries navigate through the Medicare maze.

Our licensed Medicare consultants have the expertise and resources to help you find the best plan for your unique needs and budget in your coverage area. Our goal is to ease your mind by providing you with the guidance you need to make smart healthcare coverage decisions.

We teach you about the different parts of Medicare and give you the resources to help you choose the best options to fit your needs:

  • Original Medicare (Part A and Part B)
  • Medicare Advantage (Part C)
  • Medicare Prescription Drug Plans (Part D)
  • Medicare Supplement Plans (Medigap)

Turning 65 or retiring soon?

We can answer all of your questions. Whether you decide to retire or to keep working, you still have options when it comes to Medicare. You can rely on our team of experts, no matter what stage you are in on your Medicare journey.
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Frequently Asked Medicare Questions

What is Medicare?
Medicare is a federally-administered health insurance program. There are two main parts of Medicare – Part A and Part B, with each covering certain healthcare costs. Part A covers inpatient hospital care, skilled nursing facility, hospice, and home health care. Part B covers doctor appointments, outpatient care, preventive services, occupational/physical therapies, and other medically necessary services.
Who is eligible for Medicare?
Individuals who are 65 or older are eligible for Medicare, as well as some younger individuals with disabilities or End-Stage Renal Disease.
What is Medicare Advantage?
Medicare Advantage, also known as "Part C", is a type of Medicare plan offered by private insurance companies approved by Medicare to proved Part A and Part B coverage, as well as other benefits such as dental, vision, and hearing insurance. This plan is an "all-in-one" alternative to Original Medicare.
What is Medicare Part D?
Medicare Part D provides coverage for prescription drug costs. It is available for purchase individually or is often offered as a part of a Medicare Advantage Plan.
What is a Medicare Supplement (or Medigap)?
A Medicare Supplement Insurance (Medigap) policy is offered by private insurance carriers to help pay some of the remaining health care costs, such as copayments, coinsurance, and deductibles that are not covered by Original Medicare.
When can I enroll in Medicare?

There are several enrollment periods for Medicare.
Initial Enrollment Period – begins 3 months before your 65th birthday and ends 3 months after the month that you turn 65.
Annual Enrollment Period – begins October 15 and ends December 7 each year.
Open Enrollment Period – allows you to make a one time change to your Medicare Advantage Plan from January 1 through March 31.
Special Enrollment Periods – are available under certain circumstances throughout the year, such as moving out of your existing plan’s service area or retiring from a job that previously provided your benefits.

What are my Medicare options if I have employer coverage?
Medicare coverage options for individuals who are still working varies based on your circumstances. To determine what Medicare option is best for you while you have employer coverage schedule a consultation with a Medicare expert.

Representing Top Medicare Carriers in Hawaii 

Get Help Finding Health Coverage

Need help finding the best health coverage for your unique situation? We’re here to help you understand your coverage options and find the right plan.
Schedule a consultation today
501 Sumner St PH3
Honolulu, HI 96817

agents@ioh.com
(808) 386-3070
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