Navigating Medicare can be overwhelming, especially for those living on a fixed income. The good news is that Hawaii’s kupuna (elders) and residents with limited income have access to a range of support programs designed to make healthcare more affordable and easier to understand. This blog breaks down the A, B, C, and D of Medicare—and highlights the resources available to help those in need.
Understanding the four key parts of Medicare can help you make informed decisions about your coverage:
Covers inpatient hospital stays, skilled nursing facilities, and some home health care.
Typically free if you or your spouse paid Medicare taxes while working.
Covers doctor visits, outpatient care, x-rays, lab tests, and preventive services.
Requires a monthly premium.
Together, Parts A and B make up Original Medicare.
Offered by private insurers and includes everything covered by Parts A and B, often with additional benefits like dental, vision, or hearing.
Usually includes Part D (drug coverage) too.
You must be enrolled in both A and B to join a Part C plan.
Helps pay for the cost of medications.
Available as a stand-alone plan (for those on Original Medicare) or as part of a Medicare Advantage Plan.
Helps pay for the out-of-pocket costs that Original Medicare doesn’t cover (like deductibles and coinsurance).
Must be enrolled in Original Medicare to qualify.
Hawaii residents with limited income may be eligible for help covering costs not paid by Medicare alone. Here are three important programs:
Covers medical, dental, drug, and more for those who meet income and asset requirements.
Pays for Part B premiums and may help with deductibles and coinsurance.
Assists with prescription drug costs, including premiums, deductibles, and copayments.
These programs are designed to ease the financial burden on seniors and individuals with disabilities. If you’re struggling with healthcare costs, you may qualify for one or more of these benefits.
You don’t have to figure this out on your own. The Hawaii State Health Insurance Assistance Program (SHIP) provides free, unbiased Medicare counseling. Whether you’re exploring coverage, confused about your options, or need help applying for assistance, SHIP is here for you.
Contact SHIP:
📞 808-586-7299
📱 Toll-Free: 1-888-875-9229
If you have Medicare and limited income, these programs can dramatically reduce your healthcare costs. All it takes is a quick phone call to find out if you qualify.
👉 Apply today and take control of your healthcare with confidence!
