The 3 Gaps Medicare Doesn’t Close
EVERYTHING YOU NEED TO KNOW, ALL IN ONE PLACE
A major health event like Cancer, Heart Attack, or Stroke comes with costs that go far beyond the medical bill. We’ll help you prepare so you can focus on healing, not expenses.
Closing the Coverage Gaps
1. The 20% Exposure (Medical Costs)
Many are surprised to learn that Original Medicare (Parts A & B) typically pays 80% of your medical bills. However, there is no "Out-of-Pocket Maximum." If you have a $100,000 surgery, your 20% share is $20,000.
The GHW Solution: We help you install a "stop-loss" through a Supplement or Advantage plan so your financial exposure has a hard ceiling.
2. The Long-term Care Exposure (The Wealth Link)
Medicare is designed for "short-term" recovery. It does not pay for extended stays in assisted living or long-term nursing care. For many families, this is the single greatest threat to their retirement savings.
The GHW Solution: We don't just look at health; we look at wealth. We integrate long-term care planning into your overall strategy to ensure your hard-earned legacy stays with your family.
3. The IRMAA Exposure (The High-Income Surcharge)
If your income is above a certain threshold, the government can add a surcharge to your Medicare premiums (known as IRMAA). Because this is based on tax returns from two years ago, it often catches new retirees by surprise.
The GHW Solution: We provide an IRMAA analysis to help you understand if you'll be affected and discuss strategies to help manage these costs over time.
The Reality of "The Big 3"
Medicare is excellent at paying for the surgery or the chemo. However, a major diagnosis like Cancer, Heart Attack, or Stroke often creates "hidden costs" that can drain a retirement nest egg quickly:
Travel & Lodging: Seeking the best specialists often means staying away from home.
Home Modifications: Making your living space accessible during recovery.
Non-Medical Bills: Mortgages, utilities, and groceries continue even when you can't.
Family Support: Costs for loved ones to take time off work to be by your side.
How We Close the Gaps
We offer simple, affordable plans that pay a Tax Free Lump Sum directly to you upon diagnosis.
No Restrictions: You decide how to spend the money.
Immediate Relief: Use it for the mortgage, a specialized treatment, or even just to keep the lights on while you recover.
Confidence: You’ll know that a health crisis won't become a wealth crisis.
COMPANY
SPEAK TO AN AGENT
ABOUT US
OUR TEAM
CAREERS
CLIENT SUPPORT
CONTACT US
LEGAL
TERMS OF USE
PRIVACY POLICY
BUSINESS HOURS
Mon: 8:30 AM – 4:30 PM
Tue: 8:30 AM – 4:30 PM
Wed: 8:30 AM – 4:30 PM
Thu: 8:30 AM – 4:30 PM
Fri: 8:30 AM – 4:30 PM
Sat: Closed
Sun: Closed
LOCATIONS
Kaanoi Health & Wealth
94-487 Akoki St. #115,
Waipahu, HI 96797
This is a solicitation for insurance. Submitting information or calling numbers listed on this website will direct you to a licensed Agent/Broker.
Important disclosures about Medicare Plans: Medicare has neither endorsed nor reviewed this information. Not connected or affiliated with any United States Government or State agency. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Copyright 2026. All Rights Reserved.