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Oahu Plans for 2027

 Attention HMSA Akamai Advantage® Complete Plus and Standard Plus members.

We mailed you a notice in October about your plan closing on Dec. 31, 2026. Review your options to re-enroll in an HMSA Medicare Advantage plan for 2027.

Quality care you can count on from doctors you know and trust.

We’ve got you covered no matter where you are in life.

  • $0 primary care provider visits and lab services.
  • $0 dental cleanings, exams, X-rays, fillings, and more.
  • $0 preferred generic prescription drugs.
  • Up to $200 annually toward eyeglasses and contact lenses.
  • $0 routine hearing exam and hearing aids starting at $195 per aid.
  • Local customer service.
  • Benefits for travel and more that go beyond Original Medicare.
 wcagcolheader HMSA Akamai Advantage Complete (PPO) HMSA Akamai Advantage Complete Plus (PPO) HMSA Akamai Advantage Select Plus (HMO)

Monthly premium
The amount you pay each month.
You must continue to pay your Medicare Part B premium.

Extra Help, or Low Income Subsidy, can help pay for prescription drugs and monthly premiums. Find out more.

 $55 $240 $45
In-network maximum out-of-pocket
The most you pay each year for Medicare-covered medical services from in-network providers.		 $8,200 $6,200 $5,200
2027 Star Rating

Coming soon (H3832).
English [PDF]

Plan too new to be measured (H2561).
Provider Directory
Medical Benefits*
  You Pay You Pay You Pay
Annual medical deductible $0 $0 $0
Inpatient hospital care*

Days 1 to 5:
$480/day

Days 6 to 60:
$50/day

Days 61 to 90:
$0/day

Lifetime Reserve Days (60):
$0/day

Days 1 to 4:
$460/day

Days 5 to 90:
$0/day

Additional Days:
$0/day

Lifetime Reserve Days (60):
$0/day

Days 1 to 4:
$460/day

Days 5 to 90:
$0/day

Additional Days:
$0/day

Lifetime Reserve Days (60):
$0/day
Skilled nursing facility*

Days 1 to 20:
$0/day

Days 21 to 100:
$220/day

Days 1 to 20:
$10/day

Days 21 to 60:
$215/day

Days 61 to 100:
$0/day

Days 1 to 20:
$10/day

Days 21 to 60:
$215/day

Days 61 to 100:
$0/day
Outpatient hospital and ambulatory surgical center services* 20% of the cost 20% of the cost 20% of the cost
Primary care provider office visit $0 $0 $0
Specialty care provider office visit $55 $35 $35
Annual wellness visit $0 $0 $0
Ambulance*
Ground ambulance
 $350 $300 $300
Air ambulance
 $700 $600 $600
Emergency care $115 $115 $115
Urgent care $40 $35 $35
Worldwide coverage for emergency and urgent care services 10% of the cost 10% of the cost 10% of the cost
Diagnostic services, labs, and imaging*
Diagnostic tests and procedures
 20% of the cost 20% of the cost 20% of the cost
Outpatient X-rays
 20% of the cost 20% of the cost 20% of the cost
Lab services
 $0 $0 $0
Diagnostic radiology services, including advanced imaging services such as MRI, CT, and PET scans
 25% of the cost 20% of the cost 20% of the cost
Therapeutic radiology services such as radiation
 20% of the cost 20% of the cost 20% of the cost
Medicare Part B drugs* Up to 20% of the cost Up to 20% of the cost Up to 20% of the cost
Medicare Part B insulin drugs* $35 $35 $35
Medical equipment and supplies* 20% of the cost 20% of the cost 20% of the cost
Supplemental Dental Benefits

Diagnostic and preventive dental services:

  • Two oral exams every calendar year
  • Two cleanings every calendar year
  • One set of bitewing X-rays every calendar year
  • One set of full mouth X-rays or panoramic X-ray every five calendar years
  • Two fluoride treatments every calendar year
 $0 $0 $0

Comprehensive dental services:

  • Four extractions every calendar year
  • Two fillings every calendar year
 $0 $0 $0

Comprehensive dental services:

  • One root canal every calendar year
  • One crown following a root canal on the same tooth every calendar year
 Not covered $0 $0
Dental Provider Directory Dental Provider Directory
English [PDF] | Chinese [PDF] | Ilocano [PDF] | Korean [PDF] | Vietnamese [PDF]
Supplemental Vision Benefits
  You Pay You Pay You Pay
Routine eye exam (once a calendar year) $10 $0 $0
Contact lenses and eyeglasses (frames and lenses) $0
Plan pays up to $150 every calendar year		 $0
Plan pays up to $200 every calendar year		 $0
Plan pays up to $200 every calendar year
Vision Provider Directory Routine Vision Directory [PDF]
Supplemental Hearing Benefits
Supplemental Hearing Benefits For more information, visit TruHearing or see our Frequently Asked Questions [PDF].
Routine hearing exam (one every calendar year) $0 $0 $0
Hearing aids (one aid per ear every calendar year)
  • Basic aid
    $195
  • Standard aid
    $595
  • Advanced aid
    $995
  • Premium aid
    $1,395
  • Basic aid
    $195
  • Standard aid
    $595
  • Advanced aid
    $995
  • Premium aid
    $1,395
  • Basic aid
    $195
  • Standard aid
    $595
  • Advanced aid
    $995
  • Premium aid
    $1,395
Other Supplemental Benefits and Programs
Telehealth services $0 $0 $0
Health education
Learn more		 $0 $0 $0
Drug Benefits
  You Pay You Pay You Pay

Annual drug deductible

Extra Help, or Low Income Subsidy, can help pay for prescription drugs and monthly premiums. Find out more.

 $700
Does not apply to tier 1 and tier 2 drugs, insulin, and most Part D vaccines		 $550
Does not apply to tier 1 and tier 2 drugs, insulin, and most Part D vaccines		 $450
Does not apply to tier 1 and tier 2 drugs, insulin, and most Part D vaccines
Initial coverage stage
Until you’ve paid $2,400 out of pocket for Part D drugs.
30-day supply from retail pharmacies
Tier 1 – Preferred Generic
 $0 $0 $0
Tier 2 – Generic
 $5 $5 $5
Tier 3 – Preferred Brand
 20% of the cost 20% of the cost 20% of the cost
Tier 3 – Preferred Brand Insulin
 Lesser of $35 and 20% of the cost Lesser of $35 and 20% of the cost Lesser of $35 and 20% of the cost
Tier 4 – Non-Preferred Drug
 28% of the cost 28% of the cost 28% of the cost
Tier 5 – Specialty
 25% of the cost 27% of the cost 28% of the cost
Tier 5 – Specialty Insulin
 Lesser of $35 and 25% of the cost Lesser of $35 and 25% of the cost Lesser of $35 and 25% of the cost
100-day supply from mail-order pharmacy
Tier 1 – Preferred Generic
 $0 $0 $0
Tier 2 – Generic
 $5 $5 $5
Tier 3 – Preferred Brand
 20% of the cost 20% of the cost 20% of the cost
Tier 3 – Preferred Brand Insulin
 Lesser of $105 and 20% of the cost Lesser of $105 and 20% of the cost Lesser of $105 and 20% of the cost
Tier 4 – Non-Preferred Drug
 28% of the cost 28% of the cost 28% of the cost
Tier 5 – Specialty
 25% of the cost 27% of the cost 28% of the cost
Tier 5 – Specialty Insulin
 Lesser of $105 and 25% of the cost Lesser of $105 and 25% of the cost Lesser of $105 and 25% of the cost
Catastrophic coverage stage
After you’ve paid $2,400 out of pocket for Part D drugs.		 $0
Most Part D vaccines $0
Pharmacy Find a pharmacy
Prescription Drugs List (Formulary)
See if your prescription drugs are covered and search for lower-cost alternatives.
Resources and Plan Materials
Summary of Benefits Summary of Benefits [PDF] Summary of Benefits [PDF] Summary of Benefits [PDF]
Annual Notice of Changes Annual Notice of Changes [PDF] Not available Not available
Evidence of Coverage
Member Resources Learn more Learn more Learn more

HMSA Disclaimer

  • This plan information is effective Jan. 1, 2027.
  • Medicare beneficiaries may also enroll in HMSA Akamai Advantage through the CMS Medicare Online Enrollment Center at medicare.gov.
  • Every year, Medicare evaluates plans based on a 5-star rating system.
  • Benefit amounts listed are based on using HMSA participating providers.
  • HMSA Akamai Advantage® is a PPO plan with a Medicare contract. Enrollment in HMSA Akamai Advantage depends on contract renewal.
  • HMSA Akamai Advantage Select Plus is an HMO plan with a Medicare contract. Enrollment in HMSA Akamai Advantage Select Plus depends on contract renewal.

* For some services, your doctor or other network provider may request prior authorization. Please contact us for more information.