Hawaii Medical Service Association (HMSA)
Living in Hawaii and
need individual health insurance? You have come to the right
place, because Hawaii Medical Service Association is the largest
insurer in the state. HMSA has a vision to provide health
plans and services of exceptional quality at affordable prices.
Health costs have been rising sharply, so you know the importance
of finding a health plan from a company you can trust. Not
convinced yet? HMSA also has the reliable backing of the Blue
Cross and Blue Shield Association.
Are you self-employed, graduating, or getting
ready to retire? The need for individual health insurance
can come at any time in your life. HMSA and BCBS want to help
you find the plan that will deliver precisely what you need
at that time. No one is exactly like you, so HMSA has a variety
of plans, and there is sure to be one that is right for you.
Your yearly premium will depend on the annual deductible,
the services covered in the plan, the availability of doctors,
and the costs you can share out of your pocket.
Hawaii Medical Service Association Individual
Health Plans
Catastrophic Care Plan
Has
a $2500 annual deductible after which it pays 80% coinsurance
for covered expenses with participating health care providers.
You also pay a co-payment for covered services, up to a maximum
of $3500 per year. Many preventive services are not subject
to the annual deductible. The plan also includes a broad range
of other programs. Because of the high deductible, the premium
is fairly low.
PPO Conversion Plan
Intended
for those leaving an HMSA group plan. The annual deductible
is $2500 with 80% coinsurance for following covered expenses
obtained from an HMSA participating provider. The annual maximum
co-payment is $3500 out-of-pocket, after which benefits are
paid at 100%. You can choose care from the PPO network of
providers and can also use any provider of your choice outside
of the network, but at a higher cost. The plan also provides
some preventive services, a wide variety of additional programs,
and carryover from your previous group coverage.
Individual Care Plan
Provides
comprehensive coverage for a wide range of medical services,
including office visits, hospital, surgical and maternity
services, preventive care, ER, diagnostic tests, and more.
With the High Option, your out-of-pocket maximum for co-payments
is $5000 for individuals and $15,000 for families. With the Basic Option, your
out-of-pocket maximum for co-payments is $7500 per person
yearly and $22,500 for families (as of 2010).
Individual Business Plan
Provided for the individual who is self-employed. Choose between an HMO or PPO option.
Student Plan 19
Intended
for Hawaii residents who are 19 to 24 years of age. Services
covered include office visits, hospital, surgery, and diagnostic
tests. It also includes a group term life and accidental
death and dismemberment policy.
50 Plus
Targets those who are
50 to 64 and who have been covered by HMSA group membership
for over 2 years. This is an HMO/Health Maintenance Organization
plan with an exceptionally broad range of coverage, including
dental and vision. Each member chooses a primary care physician
who will manage your medical care through the large network
of health providers. The plan also includes “Away From
Home Care.”
65C Plus
Furnishes extra coverage
to Medicare recipients, over and above Medicare. When care
is from a participating provider, the plan covers your Medicare
Parts A & B deductibles, your coinsurance, and requires
only $10 co-payments for office visits.
Senior Connection
Also supplemental
coverage for Medicare expenses, but you are free to choose
any health care provider you want. Unfortunately, there are
no more new enrollments at this time.
Conversion Plan 10
Intended
for those covered by prior group insurance plans, such as
HMSA group plans and others.
Low Income Plans
For lower
income individuals living in Hawaii include, Health Plan Hawaii
Conversion Plan, Hawaii QUEST Program, and Children’s
Plan.
HMSA Company Rating
Best's
Rating: B+†
†As of March 2009.
The financial strength and future outlook of a company are reflected in the ratings above.
HMSA is a licensee of the BCBS
Association.
Hawaii Medical Service Association Office Location
818 Keeaumoku St.
P.O. Box 860
Honolulu, HI 96808-0860
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