Hawaii Health Insurance
Aloha! We at health-insurance.org are happy to help you in your quest for quality health care coverage. This guide here is meant to help answer any questions you may have in your search, and we would love to match you up with a health insurance policy provider in Hawaii who can work with you to get you the coverage you need.
Finding Individual Health Care Plans in Hawaii (HI)
As an individual seeking health insurance, there are two different types of health care policies you can attain. Group health insurance is inexpensive and convenient, but must be provided by your employer or group. These policies include HMOs, PPOs, POSs, and HSAs. If you are unemployed or for whatever reason do not have a group health care policy, than you can purchase an individual policy for yourself. Individual policies can be a bit more expensive than group, and one can be denied based on their health status, unlike with a group policy. Even if you are denied coverage, there is likely still an alternative, such as a state health plan.
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Finding Family Health Care Options in Hawaii (HI)
No matter how big or small your family, there is always a plan that will work for you. If you or your spouse receive medical benefits from their employer, than the group insurance plan they are offering will most likely be the lest expensive, most convenient choice for you. These group health policies include HMOs, PPOs, POSs and HSAs. Hawaiians are very fortunate because all employers in Hawaii are required to offer a health coverage option to most employees who work at least 20 hours per week for four or more consecutive weeks.
But if you do not have any group plans available to you, you can still purchase an individual plan for your family from a private individual insurance carrier. These are going to cost you a little more than a group plan, but can be designed to fit the needs of your family. Know that group insurance plans cannot deny you coverage based on your health status, whereas individual insurance carriers can. If you do have any health problems, you may need to shop around for an individual plan that
Hawaii State Health Insurance Plans (HI)
If you are unable to afford a health insurance policy for your family, you may be eligible for free or subsidized health coverage through the Hawaii Medicaid program. This program includes the Medicaid Fee-for-Service Program and Hawaii QUEST, both of which offer free health coverage for pregnant women, families with children, and elderly and disabled individuals. The Hawaii Quest also may be able to provide you with free or subsidized health insurance for if you are low income but do not qualify for Medicaid.
Hawaii has another great program, called the Hawaii Breast and Cervical Cancer Control Program , which provides screening and treatment to eligible applicants in the case that they are concerned about their risk for cancer but are uninsured or under insured.
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Available Health Insurance Carriers in Hawaii (HI)
Difficulties in Obtaining Health Insurance in Hawaii (HI)
Individuals who have pre-existing health conditions in the state of Hawaii may indeed have a very difficult time obtaining health insurance. If you are turned down for an individual policy, you should to see if you are HIPAA, which you may be if you have had group coverage in the last 18 months.
You do have some options when trying to obtain health insurance in Hawaii if you are unable to obtain a traditional policy. For example, HMSA (Hawaii Medical Services Association) is the largest health insurance organization in Hawaii and the coverage is excellent, as it was initially founded to serve Hawaii's labor union members. This may be your best, and most cost-effective, option if you are having trouble getting health insurance due to pre-existing conditions. You may also research some private insurance companies that specialize in high risk candidates; however, these premiums will be higher and you may still have a waiting period before the pre-existing condition is covered. Before you apply for one of these policies, make sure you are not COBRA eligible, which you may be if you have been covered recently by any group plan.
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Last Updated : Friday, August 17, 2007