Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Hawaii before hiring.
Showing 3 supplemental insurance agents in Kapaʻa, HI
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Donovan Gardner: Allstate Insurance
4-901 Kuhio Hwy Ste 112, Kapaʻa, HI 96746
(808) 212-9848
agents.allstate.com
Darrellyn Lemke - State Farm Insurance Agent
4-1593 Kuhio Hwy, Kapaʻa, HI 96746
(808) 822-7335
darrellynlemke.com
Insurance Factors
5196 Kome St, Kapaʻa, HI 96746
(808) 822-3097
insurancefactors.com
What Does a Supplemental Insurance Agent in Kapaʻa Cost?
Typical costs for a Medigap plan in Hawaii range from $100 to $300 per month depending on age, location, and plan type. Medicare Advantage plans often have lower premiums, sometimes $0 per month, but include cost-sharing. Costs vary by situation. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What is the best time to enroll in a supplemental insurance plan in Kapaʻa?
The best time is during your Medigap Open Enrollment Period, which starts when you are 65 and enrolled in Medicare Part B. In Hawaii, this period lasts six months and guarantees you cannot be denied coverage based on health conditions.
Do supplemental insurance agents in Hawaii need a special license?
Yes, agents must hold a Hawaii insurance license and complete continuing education on Medicare products. They must also follow the Hawaii Insurance Code, which prohibits unfair practices like misrepresenting plan benefits.
Can I switch supplemental plans outside of open enrollment in Hawaii?
You can switch plans at any time, but you may face medical underwriting. Hawaii law does not provide special guaranteed-issue rights beyond federal rules, so your health history could affect approval and premiums.