Generally, you are eligible for Medicare if you or your spouse worked for at least 10 years in Medicare-covered employment, and you are 65 years old and a citizen or permanent resident of the United States.
If you are not 65, you might also qualify for coverage if you have a disability or end-stage renal disease (permanent kidney failure requiring dialysis or transplant).
Getting Financial Help
Individuals living in Hawaii with an annual incomes of less than $19,140 and financial resources of up to $14,610, or married couples living in Hawaii with incomes of less than $25,860, might qualify for extra help from Medicare to pay their Part D premiums and out-of-pocket drug costs.
Publications and Links
Download Medicare’s instructions on applying for the Extra Help program (SSA.gov)
A link to my Medi careful website
Read about the six ways to lower your drug costs. (Medicare.gov)
Learn about medical financial assistance from the state of Hawaii at KOLEA. (Hawaii.gov)
Download the most updated version of Medicare and You. (Medicare.gov)
Hospital Indemnity Plans
Are you covered by a Medicare Advantage with inpatient hospital co-pays? Chances are your health insurance plan leaves you with out-of-pocket expenses.
Whether you are covered by individual health insurance, group medical insurance, or Medicare, co-pays and deductibles are a reality and can quickly become untenable.
Hospital Indemnity Insurance can provide gap coverage to help offset these expenses. This type of insurance can pay you a daily benefit to help with hospital co-pays, or it can be used to help with incidental expenses not covered by your medical insurance.
Some policies may pay you additional benefits beyond inpatient hospital stays. Ambulance trips, skilled nursing facility visits, outpatient surgery, and durable medical equipment are just a few of the ancillary benefits available with Hospital Indemnity Policies.