Medicare solutions
Medicare, explained in plain language.
Whether you’re turning 65, still working past 65, or want someone to check the plan you already have against your doctors and your prescriptions — that’s the conversation we have every day.
Request a Medicare reviewCall (808) 292-1084
- No cost to you
- Independent & local
- 20+ years on O‘ahu
What we help with
Medicare Advantage (Part C)
All-in-one plans combining medical, prescription drug and extras like dental and vision — often at a $0 premium, in exchange for using a network.
Medicare Supplement (Medigap)
Pairs with Original Medicare to cover the out-of-pocket costs it leaves behind, with the freedom to see any doctor who accepts Medicare.
Prescription drug plans (Part D)
We check your actual medication list against each plan’s formulary to find the lowest total yearly cost, not just the lowest premium.
Hospital indemnity
Cash benefits that help with the copays and daily costs an Advantage plan can still leave you exposed to during a hospital stay.
Timing matters more than almost anything
Your Initial Enrollment Period
Seven months long: the three months before your 65th birthday month, your birthday month, and the three months after. Enrolling on time avoids late penalties that can last the rest of your life.
Annual Enrollment Period
October 15 to December 7 each year. This is when you can change Advantage or Part D plans for the year ahead — and when we run a free review to check your plan still covers your doctors and drugs at the best price.
Still working past 65 and covered by an employer plan? The rules are different, and getting them wrong is expensive. That’s worth a phone call before you do anything.
If money is tight, say so
You may qualify for more help than you expect. Hawai‘i’s Med-QUEST programme and the federal Medicare Savings Programs can help pay premiums and out-of-pocket costs, and you may be eligible for a $0-premium plan with extra benefits. We can help you check eligibility and apply. There’s no charge for that either.
Request your free Medicare review
A licensed advisor will call you within one business day. Nothing to prepare — though your medication list and your doctors’ names are handy if you have them.
Your information is used to prepare your comparison and to follow up with you. We never sell or share it.