Medicare help · Maui County: Maui, Molokai & Lanai
West Maui is rebuilding after the August 2023 fire. Kaiser sees patients at a temporary clinic in Kaanapali with a permanent Lahaina clinic planned, Maui Memorial is forty minutes away, and the disaster rules that opened a Special Enrollment Period are worth knowing.
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Medicare in Lahaina & West Maui
Lahaina, Kaanapali, Napili and Kapalua have Maui County’s Medicare menu: Kaiser Permanente Senior Advantage on the island of Maui, HMSA’s neighbor island Akamai Advantage plans, some national carriers, every Medigap company licensed in Hawaii and the full Part D lineup. The August 8, 2023 fire destroyed Kaiser’s Lahaina clinic; Kaiser and Maui Health have been seeing West Maui patients at a temporary modular clinic at the Hyatt Regency in Kaanapali since March 2024, and in July 2026 announced a site on Honoapiilani Highway for a permanent Lahaina clinic. Maui Memorial in Wailuku remains the hospital.
The fire also triggered a federal public health emergency, and CMS opened a Special Enrollment Period for people affected by it. If your coverage, your address or your pharmacy changed because of the fire and something still is not right, tell us; disaster-related enrollment relief has rules of its own, and we walk through them.
Major care in the area includes:
Plan networks differ — we check that your doctors and hospital are covered before you enroll.
Lahaina, Kaanapali, Honokowai, Kahana, Napili, Kapalua, Olowalu.
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 Lahaina & West Maui
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.
A federally declared disaster or emergency opens a Medicare Special Enrollment Period for people who missed a normal enrollment window because of it, and moving your permanent residence opens one of its own. The details depend on your dates; call and we will sort out which window applies.
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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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.