Hawaii Medicare Coverage Guide
Find dental, vision, hearing aid, and nursing home Medicare benefits available to Hawaii residents.
Hawaii Dental Coverage
Hawaii Medicaid (Med-QUEST) covers dental for dual-eligible beneficiaries. Hawaii has a unique employer-mandate health system and limited MA plan competition.
Available Programs
- Hawaii Med-QUEST Dental
- Medicare Advantage dental plans
- University of Hawaii dental school
Typical Out-of-Pocket Cost
$500–$2,000/year
Costs vary by plan, provider, and income. Dual-eligible (Medicare + Medicaid) beneficiaries often pay much less.
Tips for Hawaii Residents
- UH dental school in Honolulu offers reduced-cost care
- Rural islands have limited dental access — plan ahead
- Hawaii SHIP (SAGE PLUS): 808-586-0100
Hawaii Vision Coverage
Med-QUEST covers vision for dual-eligible members. Hawaii MA plans offer vision benefits.
Available Programs
- Hawaii Med-QUEST vision
- Medicare Advantage vision
- Hawaii State Library talking book program
Typical Out-of-Pocket Cost
$150–$350/year
Costs vary by plan, provider, and income. Dual-eligible (Medicare + Medicaid) beneficiaries often pay much less.
Tips for Hawaii Residents
- High UV exposure in Hawaii makes UV-protective lenses important
- Glaucoma risk screening covered by Part B
- SAGE PLUS SHIP: 808-586-0100
Hawaii Hearing Aids Coverage
Hawaii Medicare Advantage plans offer hearing benefits. Hearing care access on neighbor islands can be limited.
Available Programs
- Medicare Advantage hearing plans
- Hawaii State Deaf and Hard of Hearing Center
- Hawaii Vocational Rehabilitation
Typical Out-of-Pocket Cost
$1,200–$7,000 per pair
Costs vary by plan, provider, and income. Dual-eligible (Medicare + Medicaid) beneficiaries often pay much less.
Tips for Hawaii Residents
- Telehealth audiology expanding to neighbor islands
- OTC hearing aids available in Honolulu and major towns
- Contact DHHHC: 808-586-8131
Hawaii Nursing Home Coverage
Medicare Part A applies. Hawaii Medicaid covers long-term care. Hawaii has the highest life expectancy in the US and growing nursing home demand.
Available Programs
- Medicare Part A SNF
- Hawaii Medicaid LTC
- Aging and Disability Resource Center Hawaii
- SHIP SAGE PLUS
Typical Out-of-Pocket Cost
$350–$450/day (among highest in US)
Costs vary by plan, provider, and income. Dual-eligible (Medicare + Medicaid) beneficiaries often pay much less.
Tips for Hawaii Residents
- Hawaii nursing home costs are very high — plan early
- ADRC Hawaii: 808-586-0100
- Home-based HCBS waivers may be more affordable
📊 Live CMS Data Hawaii Medicare Snapshot
Source: CMS Medicare Monthly Enrollment 2024 & CMS MA Landscape 2025 — public data from data.cms.gov
- Kaiser Permanente
- UnitedHealth
- AlohaCare
Get Free Help in Hawaii
SHIP Counseling
Your state's State Health Insurance Assistance Program (SHIP) offers free, unbiased Medicare counseling from trained volunteers. They can help you compare plans and enroll.
Find Hawaii SHIP →1-800-MEDICARE
Call 1-800-633-4227 (TTY: 1-877-486-2048) 24/7 for Medicare questions, plan comparisons, and enrollment help. Free and official.
Medicare.gov →Medicare Plan Finder
Use the official Medicare Plan Finder tool at Medicare.gov to compare all Medicare Advantage, Part D, and Medigap plans available in Hawaii by ZIP code.
Compare Plans →Nursing Home Compare
Research and compare nursing home quality ratings, staffing levels, health inspection results, and more for facilities across Hawaii.
Care Compare →