Medical Insurance – Hawaii

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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): $350/person; $1,050/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: $3,000/person; $9,000/family
Deductible (Calendar): $350/person; $1,050/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.

“NEW” Benefits

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