Turning 65? We’re Here to Make Medicare Simple

Local Guidance for Medicare Plans & Enrollment

Navigating Medicare doesn’t have to be confusing. Whether you’re retiring soon or just planning ahead, we help Hawaii residents understand their options, choose the right plan, and get enrolled without the guesswork. You don’t need to do this alone. We’re here to walk you through it step by step.

Disclaimer

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE or your local State Health Insurance Program (SHIP) to get information on all of your options. Participating sales agencies represent Medicare Advantage [HMO, PPO, PFFS, and PDP] organizations that are contracted with Medicare. Enrollment depends on the plan’s contract renewal. Not affiliated with or endorsed by the Government or Federal Medicare Program.

What We Can Help You With

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Medicare Enrollment

Learn when and how to enroll to avoid penalties and gaps in coverage.

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Original Medicare vs Advantage Plans

Understand the difference between Part A & B and Medicare Advantage options.

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Prescription Drug Plans (Part D)

Help choosing the right plan to cover your medications.

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Medicare Supplement (Medigap)

Explore add-on coverage to reduce out-of-pocket costs.

Your Medicare Questions Answered

  • When do I need to enroll in Medicare?

    Your Medicare Initial Enrollment Period (IEP) begins three months before your 65th birthday and continues for three months after, giving you a total of seven months to enroll. Signing up during this window is key. If you miss it, you may face penalties or delays in getting coverage. Even if you're still working, reviewing your options early helps you make a confident decision.

  • What’s the difference between Medicare Advantage and Medigap?

    Medicare Advantage (Part C) is an all-in-one alternative to Original Medicare. Medigap works alongside Original Medicare to help cover costs like copays and deductibles.

  • Do I need Medicare if I’m still working?

    It depends on the size and quality of your employer’s health plan. If you're covered by a large group plan, you may choose to delay some parts of Medicare without penalty. But in other cases, enrolling in Medicare may offer better or more affordable coverage. We’ll review your current benefits and help you decide whether it makes sense to enroll now or wait.

  • Can I get help choosing a plan?

    Yes, and this is what we do best. Our local advisors understand the Medicare plans available in Hawaii and will guide you through your choices in clear and simple terms. We’ll help you compare plan benefits, premiums, and provider networks. You can expect thoughtful support at no cost, whether you're just getting started or looking for a second opinion.

  • What happens after I enroll in Medicare?

    After you enroll, we’ll help you get familiar with your plan. You’ll receive a Medicare card and a breakdown of your benefits, and we’ll explain how to use your coverage, manage prescriptions, and handle renewals or updates each year. We don’t just help you enroll. We stick with you as your go-to local Medicare resource.