Hawaii
The total population of Hawaii was 1,404,054 in 2013, according to statistics from the U.S. Census Bureau. This figure grew by 3.2% within three years. While Hawaii had an almost 50% female population, its senior citizens amounted to 15.6% of the overall number of residents.
Hawaii can be a suitable location for aging in place as it got the number one spot in America’s Health Rankings. Cases of smoking among adults lowered by 2.2% in 2013, and just 150,000 individuals still use tobacco on a regular basis. The state also ranked 1st in reducing hospital admissions among Medicare clients that are actually preventable. With 250,000 obese adults, Hawaii has one of the lowest incidences of obesity in the country.
Obesity may lead to other ailments, such as cardiovascular disease, that require long-term care. Hawaii had 48 nursing facilities with government health program certification in 2010. Nearly 4,000 care recipients sought various services in these nursing facilities. In the same year, 11 assisted living facilities operated in the state.
Cost of Care
Below are the average daily cost* of long-term care services in Hawaii.
| City | Nursing Facility1 | Assisted Living1 | Adult Day Care2 | Home Health Aide3 |
| Honolulu | $361 | $142 | $68 | $144 |
Notes:
*Costs are rounded to the nearest whole dollar.
1Daily average for a private room.
2Based on five days of care per week.
3Based on six hours of care per day, five days per week.
Insurance Options
John Hancock started offering the Custom Care III long-term care insurance product in Hawaii and three other states on January 11, 2013. An attribute of this product is the Benefit Builder, which policyholders find less costly compared to traditional inflation options. John Hancock designed Custom Care III to suit younger clients.
In July 2013, Genworth sent updated Guaranty Association Notices to its policyholders in Hawaii. The insurance carrier made sure that the process complied with state guidelines.
TransCare III, a newer LTCI policy by Transamerica, became available to prospective clients in Hawaii on September 10, 2013. TransCare III has an extended elimination period, a higher maximum daily benefit amount, and an increase in its Couples Discount. Individuals and some associations can make the most out of this product by Transamerica.
Hawaii residents can also buy LTCI policies from American General Life, Life Secure, and Mutual of Omaha.
State Long-Term Care Programs
Long-term care that can be availed through Medicare, a state and federal health program, include services from adult day health centers, home health agencies, and skilled nursing facilities. The Senior Medicare Patrol helps people take action against fraud and abuse in Medicare.
Medicaid, another government health program, provides the necessary care services to low-income individuals. Hawaii’s Medicaid operates under a state-based Marketplace called Hawaii Health Connector. On January 1, 2014, the state began expanding its Medicaid coverage to more adults with limited financial resources. Hawaii QUEST is a managed care program while Medicaid Fee-For-Service involves direct payment to care providers.
Programs that benefit older adults include the Enhanced Fitness Program in Kauai and the Ke Ola Pono Disease Self-Management Programs for diabetes, arthritis, and other chronic ailments.
More Resources
To get more specific information regarding long-term care services and insurance options in Hawaii, please check the following websites:
Hawaii Long-Term Care Association
Helps in choosing LTC settings through overviews, along with care setting addresses and contacts.
Aging and Disability Resource Center
Offers tools for assessing care needs and locating care providers. Provides resources as well.
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