Hawaii Health InsuranceIndividuals and Families
Hawaii Health Insurance
How to find an affordable plan.
The majority of residents in Hawaii obtain their health insurance coverage through their employer or their spouse's employer. It is actually law in the state of Hawaii that employers must provide health insurance to those who work at least 20 hours per week and make over a certain amount of income per month. This law is known as the Prepaid Health Care Act. Due to this law, Hawaii has an uninsured population that is 50% less that the national average. If you happen to a part of the 8% of Hawaiians who are currently uninsured, you have come to the right place. Health Insurance Online will help you compare quotes and plans from the leading health insurance providers in Hawaii so you can make an informed decision.
Leading Hawaii Health Insurance Companies
Types of Hawaii Health Insurance Plans
Before selecting a plan it is important to understand the difference between a PPO and an HMO Plan. A PPO or Preferred Provider Plan has an open network of providers that are contracted with insurance company, but it also allows you to select doctors and hospital outside of the contracted network, usually for a slightly higher cost. A Health Maintenance Organization or HMO has a closed network of doctors and hospitals, so you have to get referrals and permission from your insurance company to visit providers not in the network. There are many pros and cons for each type of plan, so the choice often comes down to personal preference and whether or not your existing doctors are part of the provider network.
Regardless of which plan you choose, the most common type of out of pocket expense in a health insurance policy is the co-pay. This is the amount you will pay at every time you seek medical care, whether it is a doctor's visit, or a hospital stay. In most cases a co-pay is relatively low, but with some of the cheaper health insurance policies it can be higher. Knowing ahead of time what those costs will be can help you determine if it's a good idea for you.
The annual deductible is the next most common expense associated with a health insurance policy. This is the amount you must pay upfront before you will receive any help paying your medical bills from the insurance company. Some health insurance quotes offer very low rates in exchange for a very high deductible. Such expenses are usually renewable yearly, so even if you pay the full deductible in one year, as soon as the new calendar year begins you will have to pay it all over again before you get further assistance from your health insurance.
Most people feel it is a wiser investment to pay a fair premium monthly to have a small co-pay and low deductible. If you pay for cheap health insurance but can't afford to pay the out of pocket expenses you will probably end up putting off important doctor's visits and even emergency care in order to avoid astronomical bills.
Resources and Information
Hawaii Medicare Plans
Seniors age 65 and older are eligible for a variety of Medicare plans in Ohio. Medicare plan options include Medigap and Medicare Advantage policies:
Hawaii Doctor Directory
Doctors practicing medicine in the State of Hawaii are licensed by the state. Doctors accept different forms of health insurance which you can verify before setting an appointment.