Hawaii Health Insurance
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According to the Center for Disease Control an average of 9.9% of Hawaiian residents went uninsured for Hawaii health insurance every year between 2001 and 2003.
Free Hawaii Health Insurance Quotes
To obtain free quotes on Hawaii health insurance, enter your zip code below and click "Get My Quotes."
Hawaii Health Insurance Regulations
Under state regulations Hawaii health insurance companies must guarantee renewability for individuals looking to renew existing Hawaii health insurance plans. As long as the individual has paid all premiums on time and has not provided false information, the Hawaii health insurance company cannot deny the individual to right to renew the policy.
Under Hawaii health insurance laws newborns and adopted children are covered under the parent’s individual health insurance policy for a minimum of 31 days if the policy already provides dependent coverage. Hawaii health insurance policies must be adjusted after this time.
Hawaii health insurance companies can include pre-existing condition exclusion periods which means and individual may not be covered for certain medical conditions that existed prior to the beginning of a new Hawaii medical insurance plan. The pre-existing exclusion period denies the individual a right to claim insurance on the condition for a period of time decided upon by the Hawaii health insurance company. There are some Hawaii health insurance companies that do not apply the pre-existing exclusion periods.
Hawaii health insurance companies cannot deny continued coverage based on the health of an individual. New Hawaii medical insurance policies, however, can be denied based on the health of an individual and may determine eligibility based on the risk involved in insuring the individual. No individual can be denied for Hawaii health insurance if the insurance is provided through an employer. Some of the larger Hawaii medical insurance providers offer individual health insurance policies to everyone who applies. Hawaii health insurance rates vary depending upon the individual and the age and health of that individual.
Alternative Hawaii Health Insurance Options
For those who are ineligible or unable to purchase individual Hawaii health insurance there are some options through state programs:
- Hawaii Medicaid and Quest - Quest is the Hawaii Medicaid program that has a maximum participation of 125,000 people. Hawaii Medicaid is open to residents that meet qualifying criteria.
- Children’s Health Insurance Program is the Hawaii health insurance program for children and teens whose families do not qualify for Medicaid but may not otherwise be able to afford Hawaii health insurance.
Information on Hawaii Health Insurance
Hawaii Medicaid and Med-Quest:
www.med-quest.us
Hawaii Children’s Insurance Program:
www.coveringkids.com
www.healthinsuranceinfo.net
www.diabetes.org
www.healthinsuranceindepth.com
Hawaii Insurance Division
www.hhic.org
Mailing Address
Insurance Division
P.O. Box 3614
Honolulu, Hawaii 96811
Telephone:
(808) 586-2790
(808) 586-2799
Fax: (808) 586-2806
Residents on the neighbor islands may call the following numbers followed by 6-2790 or 6-2799 and the # sign:
Kauai: 274-3141
Maui: 984-2400
Hawaii:974-4000
Lanai & Molokai: 1-800-468-4644 (toll free)
Hawaii Health Insurance Organizations
According to the Hawaii Insurance Division, two Health Maintenance Organizations (HMOs) are active in Hawaii. They are:
- AlohaCare
- Kaiser Foundation Health Plan, Inc.
The following is a list of companies that sell Hawaii health insurance to employers and have health plans approved by the Prepaid Healthcare Council:
- HMAA (Hawaii Management Alliance Association)
- HMSA (Hawaii Medical Service Association)
- Kaiser Foundation Health Plan, Inc.
- Nippon Life Ins. Co. of America
- Summerlin Life & Health Insurance Company
- United Healthcare Insurance Company
- UHA (University Health Alliance)
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