Understanding Medicare with EUTF: A Guide for Hawaiʻi’s Retirees

Navigating Medicare can be overwhelming, especially when you’re approaching retirement or already receiving EUTF (Employer-Union Health Benefits Trust Fund) benefits. The 2025 Medicare Basics for EUTF booklet—developed by the Executive Office on Aging and Hawaii SHIP—offers a clear and comprehensive overview tailored to Hawaiʻi’s employees, retirees, and their Medicare-eligible dependents.

Below, we summarize key takeaways to help you make informed decisions about your health coverage.

What Is Hawaii SHIP?

Hawaii SHIP (State Health Insurance Assistance Program) is a federally funded, volunteer-based resource run by the Hawaii State Department of Health. It provides free, unbiased Medicare assistance by phone, Zoom, email, or in-person appointments. SHIP also hosts public presentations and participates in community fairs.

Understanding Medicare

Medicare is federal health insurance for people 65 and older—or under 65 with certain disabilities (SSDI), End-Stage Renal Disease (ESRD), or ALS. It’s administered by:

• Social Security Administration (SSA) – handles enrollment and collects Part A and B premiums.
• Centers for Medicare & Medicaid Services (CMS) – manages benefits and processes claims.

Medicare’s Four Main Parts

• Part A (Hospital Insurance): Covers inpatient care, skilled nursing, and some home health services. Free if you’ve worked 10+ years (40 quarters); otherwise, premiums apply.
• Part B (Medical Insurance): Covers outpatient services, preventive care, and durable medical equipment. Premiums start at $185/month in 2025.
• Part C (Medicare Advantage): Private plans that bundle Parts A, B, and often D, offering extra benefits.
• Part D (Prescription Drug): Standalone drug plans used with Original Medicare.
• Medigap: Supplements Original Medicare to reduce out-of-pocket costs.

EUTF retirees must enroll in specific plans such as HMSA 90/10, Humana Medicare Advantage, or Kaiser Medicare Advantage.

Mandatory Medicare Part B Enrollment

If you’re enrolled in an EUTF retiree medical or drug plan and become eligible for Medicare, you must enroll in Part B and provide proof within 60 days. This rule applies to spouses and dependents as well. Failure to do so can result in termination of coverage.

IRMAA and Part B Premium Reimbursement

Higher-income retirees may be subject to IRMAA (Income-Related Monthly Adjustment Amount), which adds to standard Part B and D premiums. EUTF will reimburse both the Part B premium and IRMAA if you are a vested retiree, but not Part D premiums.

To qualify, submit:

• A copy of your Medicare card
• SSA letter showing your Part B premium
• Direct deposit form and voided check

Note: Retirees hired on or after July 1, 2023, are reimbursed for themselves only—not their spouses.

Choosing Your Coverage

EUTF offers various health and prescription drug options:

• Medical: HMSA 90/10 PPO, Humana Medicare Advantage, Kaiser HMO
• Prescription Drugs: CVS Caremark & SilverScript or Kaiser
• Dental & Vision: Hawaii Dental Service, Vision Service Plan
• Life Insurance: Securian Financial

Enrollment must be completed within 60 days of retirement using the EC-2 form.

Enrollment Periods

• Initial Enrollment Period (IEP): 3 months before your 65th birthday to 3 months after.
• Special Enrollment Period (SEP): Available after loss of employer coverage; not applicable if you’re on COBRA.
• General Enrollment Period (GEP): Jan 1 – Mar 31, with coverage starting the next month. Late enrollment may lead to lifetime penalties.

Final Takeaways

• Know the parts of Medicare and your enrollment windows
• Choose the right EUTF plan based on your needs and eligibility
• Submit required documentation on time to avoid loss of benefits
• Be aware of penalties for late enrollment or lack of credible coverage

Need More Help?

Visit hawaiiship.org or call 808-586-7299 for free, unbiased Medicare counseling.

For detailed and up-to-date information, visit:
hawaiiship.org/faq/medicare-booklet-employer-union-trust-fund-employees-retirees