Find a Medicare agent in Hawaii

A licensed Medicare agent can compare plans across all available carriers, explain the trade-offs, and enroll you — at no cost to you. Agents are paid by carriers when you enroll, not by you.

What a licensed Hawaii Medicare agent does

• Compares Medicare Advantage, Medigap, Part D, and D-SNP plans available in your zip code
• Verifies your specific doctors and hospitals are in-network
• Checks that your medications are covered and at what cost
• Explains differences between plans and helps you weigh trade-offs
• Enrolls you in the plan you choose
• Helps with annual reviews and plan changes during AEP
• Assists with claim issues, appeals, and general questions year-round

How to find a Medicare agent in Hawaii

Questions to ask a Medicare agent

Not all agents represent all carriers. Before you commit, ask:

1. Which carriers do you represent? The more, the better. An agent who only represents one company can only show you that company's plans.
2. Are you a captive or independent agent? Captive agents work for one carrier; independent agents represent multiple.
3. Are you Medicare-certified for the current year? CMS requires annual recertification. Anyone selling 2026 plans must have completed 2026 AHIP and carrier certifications.
4. Do you charge any fees? The answer should always be no for licensed Medicare agents.
5. How often will we connect after enrollment? Most good agents offer at least an annual review during AEP.

What to bring to a meeting with an agent

1. Your Medicare card (and Med-QUEST card if you have one)
2. A list of all your medications with exact dosages
3. A list of your doctors — primary care and specialists
4. Your preferred hospital
5. Your zip code and any zip codes you split time between
6. Information about retiree coverage, VA, TRICARE, or FEHB if applicable

CMS rules that protect you

Medicare agents are regulated by CMS (Centers for Medicare & Medicaid Services) and bound by strict rules. Among them:

• An agent cannot make unsolicited contact — no door-to-door sales, no cold calls, no unsolicited emails.
• You must give a signed Scope of Appointment at least 48 hours before any meeting where Medicare Advantage or Part D plans are discussed.
• An agent cannot pressure you, offer cash gifts, or imply that they represent Medicare or any government agency.
• All marketing materials must be CMS-approved.
• Recordings of telephone enrollment calls must be retained for at least 10 years.

Agents vs. Sage PLUS counselors — when to use which

Both are free. They serve different roles:

• Sage PLUS counselors are neutral educators. They don't sell or enroll. Best for understanding the system and getting unbiased plan comparisons.
• Licensed Medicare agents represent specific carriers, can enroll you, and provide year-round support after enrollment.

Many Hawaii beneficiaries use both — Sage PLUS for the initial education, then a licensed agent for enrollment and ongoing support.