Medicare help · Maui County: Maui, Molokai & Lanai
Central Maui holds the island’s only acute-care hospital, Maui Memorial in Wailuku, Kaiser’s Maui Lani and Wailuku offices, the Maui VA clinic — and the airport everyone uses to reach Oahu for the rest.
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Medicare in Kahului & Wailuku
Maui County offers Medicare Advantage plans from Kaiser Permanente (island of Maui only), HMSA’s neighbor island Akamai Advantage plans and some national carriers, every Medigap company licensed in Hawaii and the full Part D lineup. Maui Memorial Medical Center, run by Maui Health, is the only acute-care hospital on the island and is open to all patients regardless of plan; Kula Hospital serves Upcountry. Kaiser members use the Maui Lani and Wailuku medical offices and are referred to Oahu for care Kaiser does not provide on Maui.
The University of Hawaii’s 2025 physician workforce report found Maui County with the highest primary-care shortage in the state. That is why the reach of a plan matters more here than its premium: a Medigap policy covers Maui Memorial, Queen’s and a mainland referral alike, and HMSA’s neighbor island plans build in interisland travel help. We compare both with your doctors in front of us.
Major care in the area includes:
Plan networks differ — we check that your doctors and hospital are covered before you enroll.
Kahului, Wailuku, Waikapu, Waiehu, Paia, Haiku, Makawao, Pukalani, Kula, Hana.
Turning 65? Your Initial Enrollment Period is the 7 months around your birthday. Already on Medicare? The Annual Election Period is Oct 15–Dec 7, and Medicare Advantage Open Enrollment runs Jan 1–Mar 31. Moving to another island or losing a plan opens a Special Enrollment Period.
Your options
All-in-one Part C plans, often $0 premium, that use a local network — in Hawaii that usually means choosing between Kaiser, HMSA and a few national carriers, island by island.
How Advantage worksMedigap pairs with Original Medicare and lets you see any provider that accepts Medicare — Queen’s, Straub, Hilo Benioff, or a specialist on the mainland.
How Medigap worksStandalone drug coverage chosen around your medications and pharmacy. 2026 out-of-pocket cap: $2,100.
How Part D worksAdvantage plans built for a chronic condition, for nursing-facility care, or for people with both Medicare and Med-QUEST.
About SNPsQuestions from Kahului & Wailuku
Maui County typically offers Medicare Advantage plans from Kaiser Permanente (island of Maui), HMSA’s neighbor island plans and some national carriers, every Medigap company licensed in Hawaii, and the full Part D lineup, changing each plan year.
Original Medicare with a Medigap policy covers any provider that accepts Medicare on any island or the mainland, with no referral and no travel rule. HMSA’s neighbor island Akamai Advantage plans include help with interisland travel when HMSA refers you to a participating specialist on another island; Kaiser refers within its own system. We read the plan’s travel rules with you before you enroll.
Nothing. Independent agents are paid by the carriers when you enroll, so comparing plans and reviewing your coverage each year is free to you.
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Ready when you are
A short, friendly conversation — no pressure, no cost.
Written and reviewed by Darin Weidauer — licensed insurance agent (NPN 18580338, HI License #18580338), Gerontologist (USC Leonard Davis School of Gerontology), MBA, Registered Social Security Analyst, and 22-year U.S. Air Force veteran.Last reviewed September 13, 2026. Plan availability, benefits and costs change every plan year — verify current details at Medicare.gov, 1-800-MEDICARE, or Hawaii SHIP at 1-888-875-9229.