Medical Insurance: Hawaii

Employees in Hawaii have the option of enrolling in one of four medical plans offered by HMSA and Kaiser.  The following options are available:

HMSA

HMSA Preferred Provider Plan  (PPP B)
(80/20 – HMSA pays 80% for most services, individual pays 20%)
 
  • May obtain services from any HMSA preferred provider.
  • Maximum Annual copay: $3,000/person; $9,000/family
  • Deductible (Calendar): $300/person; $900/family
  • Outpatient Lab/Xray copay: 20%
  • Physician Visits: $17 copay
  • Emergency Room: 20% coinsurance
  • Chiropractor/Acupuncture/Massage: $20 Copay,12 visits max. Prescription required for massage.

 

HMSA Health Plan Hawaii Plus (HPH B)

Must choose Health Plan Center & Primary Care Provider from HMSA network. Must be referred by Primary Care Provider to obtain services from other health providers.

  • Maximum Annual copay: $2,500/person; $7,500/family
  • Physician Visits: $20 copay
  • Urgent Care Visits: $20 copay
  • Emergency Room Services:  20% coinsurance
  • Outpatient Hospital: 20% coinsurance
  • Chiropractor/Acupuncture/Massage: $20 copay,12 visits max. Prescription required for massage.

 

KAISER

Kaiser Added Choice
(80/20 Plan – for most services from out of-network provider, Kaiser pays 80% and individual pays 20%, after meeting deductible)
Services provided at Kaiser Facility or by in-network doctor
  • For services at Kaiser Facility – See below (Kaiser HMO)
  • In-Network and Out-of-Network Benefits
  • Maximum Annual copay(out of pocket):$2,000/person; $6,000/family
  • Physician visits: $20 copay
  • Emergency Room: $100 copay per visit, in and out of covered service area
  • Annual deductible: $100/person; $300/family
  • Inpatient Hospital: 10% coinsurance
  • Rx: $5 copay Generic maintenance Rx OTC/ $10 copay Other generic/ $45 copay Brand Rx
  • Chiropractor/Acupuncture/Massage: $20 Copay, 12 visits max. Prescription may be required.

 

Kaiser HMO

  • Services provided at Kaiser Facility only
  • Maximum Annual Copay(out of pocket):$2,500/person;  $7,500/family
  • Physician visits: $20 copay
  • Emergency Room: $100 copay per visit, in and out of covered service areas
  • Inpatient Hospital: 10% coinsurance
  • Specialty Rx: $75 copay
  • Chiropractor/Acupuncture/Massage: $20 Copay,12 visits max. Prescription may be required.
  • Coverage for routine, continuing and follow-up primary care for out-of-state full time college students attending college outside of the Kaiser service area and within the U.S.

For plan options, premium rates, and detailed information, refer to the 2018 Benefits Guide (Coming Soon).

“NEW” Benefits

Beginning January 1, 2018 AURA will be offering Voluntary Worksite Benefits through Cigna Group Benefits to provide you and your family with additional financial protection in case of a covered accident, illness or hospitalization. For more information, click the links below:

Accidental Injury Insurance

Critical Illness Insurance

Hospital Care Insurance