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• Emergency and Urgent Care Outside Hawaii

  Find out what you should do if you need emergency or urgent care when you travel outside Hawaii.

• Durable Medical Equipment: Renting, Buying, and Buying Online

  Most HMSA plans cover durable medical equipment such as hospital beds, wheelchairs, and insulin pumps.

• Durable Medical Equipment

  HMSA covers renting and purchasing durable medical equipment. Learn how the process works and what you need to do.

• Accessing Care Outside the United States

  What you need to know when getting emergency and non-emergency care while traveling outside the U.S.

• When Does my HMSA Coverage Begin?

  Your coverage can begin if your initial premiums are paid, we accept your enrollment, and you're not in the hospital.

• When Does a Drug Become Generic?

  Generic drug versions may be introduced after the patent for the brand-name drug expires, which is usually 20 years.

• How to Make the Most of Your Health Insurance

  Get the most bang for your health care buck by choosing the right plan and managing it the right way.

• Plan Certificates Describe Additional Coverage

  Plan certificates contain benefit information for your plan rider or add-on plans to your medical and dental coverage.

• Your Health Plan Benefits Outside the U.S.

  HMSA members, except those covered by The HMSA Children's Plan, have benefits for medical services outside the U.S. through the BlueCard Worldwide network.

• Why Your Cost may be More when You See a Nonparticipating Provider

  Learn why you're charged more when you see a nonparticipating provider instead of a participating one.

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