What's covered: All approved plans in the state must cover the same package of benefits, called essential health benefits. In Hawaii, the benefits include:
- Outpatient services, including acne treatment, joint injections, voluntary sterilization, termination of pregnancy, hearing aids, and allergy testing and treatment. Non-emergency care provided outside the U.S. is also covered.
- Emergency services
- Hospital stays, including for weight loss surgery
- Pregnancy and baby care, including diagnosis and treatment of infertility. One session of in vitro fertilization is covered if couples meet qualifying criteria.
- Mental health and substance abuse services, including behavioral health treatment
- Prescription drugs, including generic and certain brand-name drugs
- Rehab and habilitative services, those that help people recover from an accident or injury and those that help people with developmental issues such as children with autism
- Lab services
- Preventive and wellness services, along with those that help people manage chronic conditions
- Services for children, including dental and eye care
Some services not included: acupuncture, chiropractic care, and weight loss programs.
Health Insurance Advisor: Check out Web MD’s Health Insurance Advisor to compare different kinds of plans based on your needs.
Financial Aid and Medicaid
You may be eligible for financial aid to help pay for insurance or for government sponsored insurance. Here’s what’s available:
Premium Subsidies (also known as Tax Credits): You may qualify for a subsidy -- money to help pay your health insurance premium each month. The subsidy may be sent directly to your health insurance company and is available only if you buy your insurance in the Marketplace. In general, you'll be eligible if you're single and make about $45,960 or less a year, or if you have a family of four and make about $94,200 or less a year. Subsidies are based on your estimated household income for 2014.
You also may be eligible for cost-sharing subsidies that will reduce your costs when you get medical care. Cost sharing subsidies are available only if you buy a silver-level plan.
Medicaid Expansion: Some states, including Hawaii, expanded Medicaid so more people can get health insurance coverage. You may be eligible if your yearly gross income is no more than $18,257 for one person and $37,384 for a family of four.
CHIP: The Children’s Health Insurance Program provides coverage for children of some families who have a low income but are not eligible for Medicaid.
Check with the Hawaii Health Connector to see if you are eligible for these programs.
Trained navigators and assisters can teach you about the Marketplace and guide you through enrollment. They are supposed to be fair and impartial and cannot take money from insurance companies. Trained insurance agents also can help you with your choices. Here are several ways you can get help with your insurance decisions:
- Web Site: Find information about Hawaii's Marketplace at Hawaii Health Connector. You can create an account, find information about different plans, and buy insurance.
- Call center: Call 877-628-5076 from 8 a.m. to 8 p.m., 7 days a week for information about your insurance options.
- Other Resources: Find the nearest Marketplace Assister.