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Costs of Assisted Living in Hawaii

Assisted Living Care in Hawaii runs about $4,000 per month, (almost $50,000 a year) although the costs increase depending on the services required by the senior. Costs may also be higher for Hawaii seniors with dementia or Alzheimer's disease.

The cost of Assisted Living in Hawaii is higher than the national average of $3,293 per month, which is to be expected as Hawaii is a state with a higher cost of living than the national average. Assisted living costs in Hawaii are still much lower than the price of a nursing home, where semi-private rooms cost almost $130,000 per year and a private room is around $141,000 per year. Here are assisted living costs in major islands in Hawaii:

  • Kahului, HI - $2,625 per month. The costs for assisted living are much cheaper in Kahului than elsewhere in Hawaii, and it is even cheaper than the national U.S. average.
  • Urban Honolulu, HI - $5,000 per month

For comparison, the average cost for Adult Day Health Care in Hawaii is $1,460 per month which averages around $17,500 per year (based on 5 days a week for 52 weeks). A Home Health Aide costs, on average $4,800 a month, a little over $57,700 per year, which is about $8,000 higher than care in an Assisted Living Facility would be.

It is important to remember that the cost of a Home Health Aide in Hawaii is based on a 44-hour-week, whereas Hawaiian Assisted Living facilities provide 24-hour care. Furthermore, Home Health Aides usually do not provide much housekeeping, so you may need to hire a Housekeeper as well at a cost of approximately $55,000 per year (that $55,000 is based on a housekeeper working full-time.) It is estimated that by the year 2030, Assisted Living in Hawaii will cost almost $75,000 per year – an increase of around $25,000.

The state of Hawaii is a beautiful state with plenty of activities for older people and people of any age. It is also well known for its beauty, diversity, and beautiful scenic views - both mountains and beaches available in the Hawaii islands. But, even with all the activities that are available in this island paradise, is Hawaii a prime destination for a senior looking to retire?

Assisted Living Services and Amenities in Hawaii

Assisted living facilities in Hawaii offer a wide range of services and amenities to ensure residents receive the care and support they need in a comfortable and engaging environment. These facilities are designed to help individuals who require assistance with daily activities, while also promoting independence, well-being, and social engagement.

Services Offered

  1. Personal Care Assistance: Residents receive help with essential daily activities such as bathing, dressing, grooming, and toileting. Care staff are available to offer the right level of assistance based on individual needs, ensuring that each resident is supported in a way that respects their dignity and preferences.

  2. Health Monitoring and Medical Support: Assisted living facilities in Hawaii provide health monitoring services, including regular checks on vital signs such as blood pressure, weight, and pulse. In some cases, licensed nurses are available to oversee medication administration, manage chronic conditions, and coordinate care with physicians.

  3. Medication Management: Facilities offer medication reminders and assistance with administering prescribed medications. Many facilities also have secure storage for medications, ensuring that all prescriptions are properly dispensed according to a doctor’s orders.

  4. Meals and Dietary Services: Facilities provide residents with three nutritious meals daily, often designed to meet dietary preferences or medical needs, such as low-sodium, diabetic, or vegetarian meals. Special accommodations for food allergies or cultural preferences are also considered.

  5. Transportation Services: Assisted living facilities often offer transportation to and from medical appointments, shopping centers, and recreational activities. This service helps residents maintain independence and access essential services without relying on family or caregivers.

  6. Memory Care: For residents with Alzheimer’s disease, dementia, or other memory-related conditions, some facilities offer specialized memory care units. These units are designed to provide a secure environment with structured routines, ensuring safety and providing residents with tailored cognitive and emotional support.

  7. Social and Recreational Activities: To promote mental and emotional well-being, facilities offer a variety of recreational activities such as arts and crafts, bingo, music therapy, exercise classes, and movie nights. These activities encourage socialization and engagement, which is vital for seniors' overall quality of life.

  8. 24-Hour Staff Availability: Many assisted living facilities in Hawaii offer around-the-clock staff availability to provide immediate assistance in case of emergencies or health-related concerns. Staff are trained to respond quickly to any needs, ensuring that residents receive timely care and attention.

  9. Physical Therapy and Wellness Programs: Some facilities offer access to physical therapy services or wellness programs designed to enhance physical strength, mobility, and overall health. These programs may include activities such as stretching, strength training, or balance exercises.

Amenities Available

  1. Private and Shared Accommodations: Assisted living facilities provide a variety of living spaces, including private rooms, shared rooms, and one-bedroom apartments. These spaces are designed for comfort, featuring amenities such as walk-in showers, grab bars, and spacious layouts to accommodate mobility aids like wheelchairs.

  2. Common Areas and Lounge Spaces: In addition to private rooms, facilities often feature common areas where residents can socialize, relax, and engage with others. These may include lounges, gardens, dining rooms, and recreational spaces, promoting a sense of community.

  3. Security Features: Safety is a top priority in Hawaiian assisted living facilities. Most are equipped with emergency call systems, secure entrances, and exit controls, especially in memory care units. These security features help ensure residents are protected from accidents and wandering, while still allowing them to feel independent.

  4. Housekeeping and Laundry Services: To ensure residents' living spaces remain clean and comfortable, housekeeping services are provided. These services may include daily or weekly cleaning of residents' rooms, as well as laundry services for personal clothing and linens.

  5. On-Site Beauty and Barber Services: Many assisted living facilities offer on-site beauty and barber services, including haircuts, styling, manicures, and pedicures, allowing residents to maintain personal grooming without leaving the facility.

  6. Outdoor Spaces and Gardens: Many Hawaiian facilities take advantage of the state's beautiful climate by providing outdoor spaces such as gardens, walking paths, and patio areas. These areas encourage residents to spend time outdoors, promoting physical and emotional well-being.

  7. Internet and Communication Access: Most assisted living facilities offer internet access in common areas, which allows residents to stay in touch with family and friends via email, video calls, or social media. This access helps residents maintain connections with the outside world.

  8. Spiritual Services: Recognizing the importance of spiritual well-being, some assisted living facilities in Hawaii offer religious services or spiritual care programs, such as church services, prayer groups, or meditation sessions, to cater to the spiritual needs of residents.

  9. Pet-Friendly Options: Some facilities may allow residents to bring their pets or offer pet therapy programs. The presence of pets can provide emotional comfort and companionship to residents, which is particularly beneficial for those experiencing loneliness or depression.

  10. Laundry and Personal Care Items: In addition to regular laundry services, many assisted living facilities provide personal care items such as toiletries, and some may even offer housekeeping services for personal items like clothing and shoes.

Types of Hawaii Assisted Living Communities

Hawaii offers a diverse range of assisted living communities designed to meet the varying needs of its aging population. These communities are tailored to different levels of care, lifestyle preferences, and budget, ensuring that residents can find the right fit for their personal needs. Here are some of the main types of assisted living options that may be available in Hawaii:

1. Traditional Assisted Living Facilities

Traditional assisted living communities in Hawaii provide a combination of housing, personal care services, and social activities. Residents typically have their own private or semi-private apartments and receive help with activities of daily living (ADLs) such as bathing, dressing, grooming, and medication management. These communities are ideal for seniors who are relatively independent but need some support with daily tasks. Many traditional facilities offer amenities like housekeeping, transportation, and access to communal spaces for socialization and recreation.

2. Memory Care Facilities

Memory care communities in Hawaii are specifically designed for individuals with Alzheimer's disease, dementia, or other cognitive impairments. These facilities provide specialized care, including secure environments to prevent wandering, 24/7 supervision, and a structured daily routine to reduce confusion and anxiety. Memory care communities often feature staff trained in cognitive care techniques and therapeutic activities that stimulate memory and cognitive function. These facilities may be a separate wing within a traditional assisted living facility or a standalone community.

3. Resort-Style Assisted Living

Hawaii's unique environment allows for resort-style assisted living communities that offer a more luxurious living experience. These communities often feature upscale amenities such as ocean views, resort-style pools, on-site restaurants, and concierge services. The focus is not only on care but also on enhancing the overall quality of life for residents by incorporating the natural beauty and relaxed lifestyle that Hawaii offers. Residents can enjoy a high level of independence while benefiting from the assistance they need with daily tasks.

4. Continuing Care Retirement Communities (CCRCs)

Continuing Care Retirement Communities (CCRCs) in Hawaii provide a continuum of care that includes independent living, assisted living, and skilled nursing care all in one location. This type of community is ideal for seniors who want to plan for future healthcare needs while remaining in one place. As residents' needs change over time, they can transition from one level of care to another without having to move to a new facility. CCRCs offer peace of mind for both seniors and their families, knowing that all necessary care options are available as health conditions evolve.

5. Residential Care Homes

Residential care homes, also known as adult family homes or board and care homes, are smaller, more intimate settings for seniors. These homes typically accommodate fewer residents (around 5 to 10) in a private residential house or a small facility, providing a more home-like environment. Staff members offer personalized care and attention, assisting with daily living activities and ensuring the well-being of each resident. Residential care homes in Hawaii are often located in quiet, residential neighborhoods, offering a peaceful and community-oriented atmosphere.

6. Culturally Specific Assisted Living Communities

Given Hawaii's diverse population, some assisted living communities are tailored to specific cultural or ethnic groups. These communities may offer services and activities that are designed to meet the unique needs and preferences of residents from particular cultural backgrounds, such as Japanese, Filipino, or Native Hawaiian. These communities may incorporate cultural traditions, dietary preferences, and language to make residents feel more at home. This type of assisted living is especially beneficial for those who prefer to maintain strong cultural ties in their later years.

7. Veterans' Assisted Living Communities

Hawaii also offers assisted living communities dedicated to veterans and their families. These communities may provide specialized care for veterans who have unique healthcare needs or may offer discounts on services for veterans. Many veterans' communities also offer a strong sense of camaraderie and shared experiences, which can be comforting for those who served in the military. These facilities often partner with the U.S. Department of Veterans Affairs (VA) to provide additional benefits such as medical care, rehabilitation services, and financial assistance.

8. Urban vs. Rural Assisted Living

In Hawaii, there is a distinction between assisted living communities located in urban areas (like Honolulu) and those in rural or more remote parts of the islands. Urban communities often offer greater access to healthcare services, entertainment, shopping, and public transportation. In contrast, rural communities may provide a quieter, more laid-back lifestyle, with more emphasis on outdoor activities and community involvement. Both types of environments cater to different lifestyle preferences, and choosing between them depends on whether a senior prefers the conveniences of city living or the tranquility of island life.

Safety measures in Hawaii assisted living facilities

Safety is a top priority in Hawaii's assisted living facilities, ensuring that residents live in environments that promote their well-being, independence, and security. These facilities follow a comprehensive set of safety protocols that cater to the unique needs of elderly residents, particularly those with physical, cognitive, and medical challenges. Some of the primary safety measures include:

1. 24-Hour Supervision and Staff Availability

Assisted living facilities in Hawaii typically provide 24-hour supervision to ensure that residents are monitored around the clock. This includes having trained staff on hand at all times to assist with any emergencies or medical issues. The staff are trained in emergency response, CPR, and first aid to handle urgent situations effectively.

2. Emergency Preparedness Plans

Hawaii’s geographical location means that assisted living facilities must be prepared for natural disasters like hurricanes, earthquakes, and tsunamis. Many facilities have detailed emergency preparedness plans, including evacuation routes, communication protocols, and shelter-in-place procedures. These plans are regularly reviewed and practiced through drills to ensure staff and residents are ready in case of an emergency.

3. Fall Prevention and Mobility Assistance

Falls are a major concern in assisted living environments. Hawaii facilities focus on fall prevention by installing handrails, grab bars, and nonslip flooring in common areas and bathrooms. Many facilities also provide mobility assistance to residents who may need help with walking or transferring from bed to chair, including the use of walkers, canes, and lifts.

4. Surveillance and Security Systems

Security is a key component in keeping residents safe. Most Hawaii assisted living facilities are equipped with modern surveillance systems, including cameras in common areas, alarm systems, and secure entry points. These security measures are designed to prevent unauthorized access and ensure that residents are protected from external threats. Additionally, some facilities use keycard access systems to restrict entry to certain areas, such as resident rooms and secured wings.

5. Personal Emergency Response Systems (PERS)

Many assisted living facilities in Hawaii offer personal emergency response systems (PERS), where residents wear a pendant or bracelet with a button that can be pressed in case of an emergency. These devices are connected to a central system that alerts staff instantly, ensuring a rapid response to medical or safety issues.

6. Medication Management and Monitoring

To ensure that residents receive the correct medication at the right times, Hawaii facilities employ medication management systems. These may include automated pill dispensers, as well as trained staff who assist with medication administration. Regular monitoring and checking for potential drug interactions are also standard practice to reduce the risks associated with medications.

7. Health and Wellness Monitoring

Assisted living facilities in Hawaii often include regular health and wellness assessments, such as monitoring vital signs and tracking weight and nutrition. This ongoing monitoring allows staff to detect early signs of illness or health changes, enabling timely interventions to address potential safety concerns.

8. Climate and Environmental Adjustments

Hawaii's tropical climate can pose specific risks for residents, such as heat stress or dehydration. To mitigate these risks, assisted living facilities ensure proper air circulation, climate control, and hydration support. Facilities are typically air-conditioned, and staff is trained to monitor for signs of heat-related illnesses. Water stations are also strategically placed around the facility to encourage regular hydration.

9. Transportation Safety

Assisted living facilities in Hawaii offer safe transportation options for residents to attend medical appointments, social outings, and community events. These transportation services are often provided in vehicles equipped with safety features such as seat belts, wheelchair lifts, and secure seating arrangements for residents with mobility issues.

10. Regular Safety Inspections

Facilities are subject to state and federal regulations and undergo regular safety inspections to ensure that they meet the required standards for health and safety. These inspections cover everything from food safety to building codes and equipment maintenance. Any issues found during these inspections are addressed promptly to maintain a safe environment for all residents.

Moving to Hawaii Assisted Living Facilities

Moving to an assisted living facility in Hawaii offers unique opportunities to enjoy the state's natural beauty while receiving the care and support you need. Hawaii's assisted living options cater to a variety of needs and preferences, providing a tranquil and supportive environment for those who need assistance with daily living activities.

1. Location and Climate Benefits

One of the most appealing aspects of moving to a Hawaii assisted living facility is the location itself. The islands' mild tropical climate, with temperatures generally ranging from 70 to 85°F year-round, makes it an attractive destination for seniors who prefer a warmer environment. The natural surroundings, including beaches, mountains, and lush forests, offer a peaceful setting that promotes relaxation and overall well-being.

Living in Hawaii also means access to outdoor activities, whether it's leisurely walks along the beach or excursions in nearby parks. For residents who are mobile or able to enjoy light outdoor activities, this access to nature can be invigorating and improve mental health.

2. Types of Assisted Living Options

Hawaii has a range of assisted living facilities tailored to meet the specific needs of its senior population. Depending on the island you are considering moving to, you will find facilities that vary in size, services, and amenities. These facilities can be located in both urban areas, such as Honolulu, as well as more rural or suburban locations across the islands.

Some facilities focus on providing a homelike atmosphere with private apartments and shared spaces, while others may offer larger campuses with amenities like on-site medical care, exercise programs, and social activities. The larger facilities often provide specialized care for conditions like dementia or Alzheimer's, with staff trained to assist those with memory-related issues.

3. Cultural Integration

Hawaii has a unique cultural heritage, blending traditions from native Hawaiian, Asian, and Western influences. Many assisted living communities embrace these local traditions by offering cultural activities, traditional Hawaiian music, hula dancing, and island-inspired meals. This helps residents maintain a connection to the local culture and can be particularly appealing for those looking to enjoy a rich cultural experience in their later years.

For many seniors, moving to Hawaii offers a chance to enjoy the Aloha spirit, which is known for its warmth, friendliness, and emphasis on community. Assisted living facilities often foster a strong sense of community and belonging, making it easier for new residents to adjust to life in a new environment.

4. Healthcare and Medical Services

While Hawaii is known for its excellent healthcare system, it can be important to consider the availability of medical services when moving to an assisted living facility. Most facilities provide access to basic medical care, and many are within proximity to hospitals or specialized healthcare providers. Some of the more advanced assisted living facilities may have on-site medical professionals, such as nurses, physical therapists, and doctors, ensuring that residents' health needs are met without the need for frequent trips to a hospital.

For individuals with chronic health conditions or special medical needs, it's crucial to research the specific care options available at the facility. Hawaii’s healthcare system is well-regarded, though rural areas may have fewer immediate options compared to urban centers.

5. Cost of Living and Affordability

The cost of living in Hawaii is higher than many other parts of the United States, and assisted living facilities are no exception. While some options are more affordable, the overall cost of services and accommodations may be higher than in other states due to Hawaii's geographic isolation and the cost of doing business on the islands. It's essential to carefully review the pricing structures of different facilities and take into account the level of care needed.

For those considering a move to Hawaii for assisted living, it's also wise to plan ahead for insurance options. Medicare generally covers some healthcare expenses, but additional coverage through Medicaid or private insurance may be necessary to cover the costs of assisted living.

6. Support for Family and Visitors

For seniors moving to Hawaii from the mainland or other regions, family visits and support are essential. Many assisted living facilities in Hawaii accommodate family involvement by offering visiting hours, family events, and communication tools like video calls. The relatively small size of the islands means that travel between them can be quick, but it’s important to plan for the cost and time involved in getting family members to the island.

Hawaii’s tourism infrastructure also means that family members can enjoy their stay with plenty of activities to engage in outside of caregiving duties, including cultural tours, nature hikes, and visits to world-famous beaches.

7. Preparing for the Move

When preparing for a move to an assisted living facility in Hawaii, there are several considerations to keep in mind. First, consider the logistical aspects, such as transportation of personal belongings, finding local services like grocery stores and pharmacies, and understanding the move-in process at the facility.

It's also a good idea to visit potential facilities before committing to a move, if possible. This allows you to experience the environment firsthand, meet the staff, and get a sense of the community and services offered. Once you’ve chosen a facility, you can plan to make the transition as smooth as possible by setting up your new living space, organizing medical records, and arranging for any specialized care or equipment.

Assisted Living Regulations in Hawaii

In Hawaii, assisted living facilities are regulated under the Department of Health (DOH), specifically through the Office of Health Care Assurance (OHCA), which ensures that these facilities comply with state regulations designed to protect the safety and well-being of residents. These regulations set standards for the care provided, including licensing, staffing, facility requirements, and resident rights.

Licensing Requirements

All assisted living facilities in Hawaii must obtain a license from the DOH. The license specifies the number of beds the facility is allowed to operate, the types of care it is authorized to provide, and the health conditions it can accommodate. Facilities must undergo an initial survey and annual inspections to maintain their license. The survey ensures that the facility meets the standards for care, sanitation, and safety outlined in the state’s regulations.

Staffing and Caregiver Standards

Hawaii’s regulations stipulate that assisted living facilities must have adequate staffing to meet the needs of residents, which includes licensed nurses, caregivers, and administrators. The ratio of staff to residents depends on the level of care required by residents, with more intensive care needs necessitating a higher number of staff. Caregivers must receive training in the basics of personal care, medication management, and emergency procedures.

The regulations require staff members to undergo background checks, including criminal history checks, to ensure they are fit to work in a caregiving role. Administrators must also be certified, and they are required to have at least two years of experience in healthcare or management.

Resident Rights and Protection

Hawaii has specific rules designed to protect the rights of individuals living in assisted living facilities. These include the right to privacy, the right to be free from abuse and neglect, and the right to make choices regarding daily life. Residents also have the right to participate in decisions regarding their care plans, which must be regularly updated.

The facility must maintain a plan of care for each resident, tailored to their specific needs. This plan includes medical, personal care, and social services required by the resident, and it is reviewed by medical professionals to ensure it meets the resident’s needs.

Facility Requirements

Assisted living facilities in Hawaii must meet stringent safety and sanitation standards. These include requirements for fire safety, proper ventilation, cleanliness, and accessibility. Each facility must have a plan for emergency evacuation and a system in place for disaster preparedness.

Facilities must provide for the comfort and well-being of residents by ensuring that living areas are adequately furnished, with attention to privacy and personal space. The living environment should promote socialization while accommodating the individual needs of each resident.

Special Services and Memory Care

In addition to basic assisted living care, some facilities in Hawaii offer specialized services such as memory care for individuals with Alzheimer’s disease or other forms of dementia. Facilities offering memory care must meet additional regulatory requirements, including secure environments and specialized staff training to handle the complex needs of residents with cognitive impairments.

Financial Considerations

Hawaii does not have a specific Medicaid program for assisted living services, but Medicaid may cover certain services provided in assisted living through the state’s Section 1915(c) Home and Community-Based Services (HCBS) waiver program. This program helps low-income individuals with disabilities or chronic conditions receive care at home or in a community setting instead of in a nursing home.

Residents of assisted living facilities can also use long-term care insurance, private pay, or other funding sources to cover the cost of care. Facilities are required to provide transparency about their pricing, and contracts must be clear about the costs and services included.

Services for seniors living in Hawaii

Hawaii Senior LivingThe programs that are available in Hawaii for senior citizens are coordinated by the Hawaii Executive Office on Aging (EOA). The Federal Older Americas Act established and provides federal funding for elderly support services, nutrition services, preventative health services, protection of the rights of seniors, and family caregiver support services. Although Hawaii does have Area Agencies on Aging, Chapter 349 of the Hawaii Revised Statutes has designated the Executive Office on Aging as the focal point for all matters related to older adults and their needs.

Should you need to contact your Area Agency on Aging in Hawaii, here is the contact information:

  • Elderly Affairs Division (Honolulu) phone: (808) 768-7705.
  • Hawaii: (808) 961-8600;
  • Maui/Molokai/Lanai: (808) 270-7774; or
  • Kauai: (808) 241-4470

Some of the community-based programs for Hawaiians include:

  1. Hawaii Health Aging Partnership (HAP) with the goal to keep Hawaii seniors healthy by educating them to make smart decisions when it comes to their health. Hawaii uses a program that has been tested and proven to work in other communities. The Healthy Aging Partnership (HAP) is co-led by the Executive Office on Aging (EOA), the Department of Health (DOH) Community Health Division, the state’s four Area Agency on Aging (AAA), some of the District Health Offices, and service providers from Aging and Public Health Networks.

Currently the HAP uses Evidence-Based Programs, which include:

  • Enhanced Fitness – This is an exercise program for seniors and older adults that was created to keep Hawaii seniors' hearts healthy, as well as enable them to have better balance, be more flexible and even become stronger. Offered on the island of Kauai only;
  • Ke Ola Pono Disease Self-Management Programs – this was both created and checked by Stanford University and, Ke Ola Pano or “Living Well” classes both empower and educate Hawaii elderly who participate to deal with their chronic conditions. Classes are available for those who aged 18 and older.
  • Ke Ola Pono: Healthy Living – also called General Chronic Disease Management. This program is a 6-week program for seniors living with various types of conditions or more than one chronic condition, including: asthma, high blood pressure, obesity, diabetes, stroke, cancer, arthritis and heart disease. The topics covered by this program include:
    • How Hawaii seniors can effectively communicate with doctors;
    • How to relax properly to handle symptoms and stress;
    • Developing plans for actions;
    • Problem-solving; and
    • How to manage symptoms

Research has found that those older Hawaii residents who take part in and finish these workshops feel that their health has improved. Additionally, they do not feel that their health conditions limit them as much as previously, and do not see doctors as frequently as before. Furthermore, seniors feel better able to manage their symptoms and feel more empowered and comfortable when communicating with health-care professionals and caregivers;

  • Arthritis Self-Management (ASMP) – Managing Arthritis and Fibromyalgia – a 6-week workshop that is specifically designed for seniors and other adults who are affected by arthritis and/or fibromyalgia. The workshops help teach participants to look after themselves better, as well as preventive measures that may be helpful or necessary in managing these and related conditions.

Those who have participated in the Living Well with Arthritis Program report feeling better, improved mobility, decreased pain and fatigue. Participants are also able to control their lives in a better way and feel much more confident about it.

The topics that are addressed in the Living Well with Arthritis workshop include:

  • Exercise that is appropriate to stay flexible, strong and have high endurance;
  • Manage pain;
  • Importance of getting good sleep every night;
  • How to solve problems; and
  • Techniques to help seniors and other sufferers deal with the frustration, pain, fatigue, and isolation that comes along with these conditions;
  • Diabetes Self-Management (DSMP)

Living Well with Diabetes is designed for Hawaii seniors who have Type 2 Diabetes or have Pre-diabetes. This program can also be used by seniors' caregivers. Past participants in the program have lowered their HbA1c levels as well as decreased diabetes-related symptoms.

This program includes topics such as:

  • Setting goals;
  • Preparing and planning for days when you are sick;
  • Proper use of medication;
  • How to eat healthy; and
  • Effective communication with physicians.
  1. Senior Medicare Patrol (SMP Hawaii) – this goal of this program is to provide information on how to identify and report Medicare fraud and abuse. Even if you are unsure or do not have proof, you should always report it immediately.

The Senior Medicare Patrol website gives three recommendations on this topic:

  • Review your Medicare Summary Notice (MSN) and Part D Explanation of Benefits (EOB) for mistakes.
  • Pay specific attention to these three things on your billing statement:
  1. Charges for a service or a procedure that you did not receive;
  2. Duplicate billing; and
  3. Services, tests or procedures that were not ordered by your doctor.

If you suspect fraud, or abuse, you should:

  • Call your doctor or health plan first; or
  • If you are uncomfortable calling either of these or are unsatisfied with the response that you were given, call SMP Hawaii at (800) 296-9422.
  1. Hawaii State Health Insurance Assistance Program (SHIP) – this program provides one-on-one assistance to those with Medicare, families, caregivers, and agencies throughout Hawaii. The program is staffed by volunteers who are trained to provide consultations and presentations to seniors and others at no charge to the public. They are trained to help answer the following questions:
  • What amount will Medicare pay and what services will they cover;
  • Insurance options that are available through Medigap and Medicare Advantage;
  • What prescription drug coverage and/or other options are available;
  • What does long-term care insurance cover;
  • What are the options to pay for your long-term care; and
  • What is an advanced care directive?

Volunteers are always needed and welcome in this program. If this is a program that you are interested in volunteering in, you should contact them via the website or call them at 808-586-0100 (Oahu.)

  1. Hawaii Long-Term Care Ombudsman Program (LTCOP) – a program that provides information, outreach, and advocacy for seniors who are residents of long-term care facilities. There are also volunteer opportunities available for this program and to become a certified volunteer you can either click on the link or contact the Long-Term Care Volunteer Coordinator at 808-586-7305 (Oahu);
  2. In-Home and Community-Based Services – These are home and community-based services that help seniors age 60 and older remain active and independent. Some of the services covered are:
    • Adult Day Care/Adult Day Health – provides personal care for dependent seniors in a supervised, protected, and group setting;
    • Transportation – provides door-to-door transportation services for those seniors who have difficulties (physical or cognitive);
    • Attendant Care – provides companion assistance/oversight of older adults who are frail or have one or more disabling conditions;
    • Case Management – help identifying needs, explore options, and develop care plans so that the senior can achieve the most independence that they are capable of;
    • Chore – help for those seniors who are unable to perform yard and/or heavy housework;
    • Congregate Meals – meals which are provided to seniors in a group setting;
    • Home-delivered Meals – meals which are delivered to frail and/or vulnerable seniors at their personal homes;
    • Homemaker/Housekeeper – assists in preparing meals, shopping for groceries, managing finances, using the phone, housework, and medication assistance or preparation as necessary;
    • Information and Assistance – provides older adults information on the services that are available within their communities and helps link them to these services;
    • Legal Assistance – provides legal counseling, and representation by an attorney or a legal assistant;
    • Nutrition Education – information about health that is culturally sensitive as well as instructions on how to maintain adequate nutrition;
    • Personal Care – help for older adults who need assistance with activities of daily living such as bathing, eating, dressing, toileting, and transferring;
    • Transportation – help transporting people.

Senior Retirement in Hawaii

Hawaii is an expensive state, both to live in and to retire. It has some of the most beautiful and alternative climates than anywhere else. However, you should do your research, and maybe plan a trip to Hawaii before making your move.

Some things to consider when choosing where to retire in Hawaii:

  • Weather – in Hawaii, a cool day is usually around 72°F;
  • Location – while people may say that it is far away from family and friends you will soon find out that when you are a senior living in Hawaii, people come to you;
  • History and Culture – there are many historical places in Hawaii to visit and explore, from the early Hawaiian ruins to wartime Oahu, Hawaii has something for everyone. Other popular historic attractions in Hawaii are:
    • Lahaina, Maui, Hawaii – until 1845, the royal capital of the Hawaiian kingdom was located here. The history of Lahaina spans ancient Hawaii, the whaling industry of the 1850s, and Maui’s sugar plantation history;
    • Koloa, Kauai, Hawaii – the first Hawaii’s sugar plantation was originally in this town, founded in 1835. This was part of the reason that there was such a massive influx of Chinese, Portuguese, Japanese, Filipino, and Korean plantation workers.

Although sugar is no longer produced here, you can still travel back in time and visit the shops in the restored plantation-style buildings;

    • Downtown Oahu, Hawaii – this is the epicenter of Hawaii and is the home to the Hawaii State Capital, and close to Chinatown;
    • Pearl Harbor, Oahu, Hawaii – the site of the December 7, 1941 attacks on Pearl Harbor by the Japanese. There are many historic sites here for seniors to visit including USS Oklahoma Memorial, The USS Bowfin Submarine Museum & State Park, USS Arizona Memorial, The Battleship Missouri Memorial, The Pacific Aviation Museum. This is definitely a must visit for Hawaii seniors who are veterans.
    • Kona, Hawaii – this island's waters are home to exotic marine life, and it has a plethora of important Hawaiian landmarks.

Cons of seniors living in Hawaii:

  • If you are a person who is used to buying everything you like, whenever you like, then Hawaii may not be a location in which you would like to live. There are some high-end shops with unique items that can’t be found elsewhere, but Hawaii is not considered a shopping mecca and the selection is limited. This may be a good fit for those who are particular and may tend to get bored easily;
  • Roaches, geckos, and other animals are part of life in Hawaii. If you are someone who fears these creatures – especially if they are inside your home – then you might want to reconsider the island paradise;
  • Chances are that you will be a minority on Hawaii - especially as a senior, which makes up about 16.5% of the total population according to the estimates from the latest census). If you do not get along well with those from other cultures, religions, and ethnicity groups, you may have problems assimilating into the Hawaiian culture and people;
  • Money – we have discussed that the cost of living is high in Hawaii, but even traveling to the other islands for a short break can cost quite a bit - $40 for a ferry to Maui from Oahu, for example. Are you able to live in one place for relatively long periods of time? Or, can you afford to travel back to the mainland at a price of around $300?
  • Dating – dating prospects are limited in Hawaii. Very limited. Even friend opportunities are more limited than you would find on the mainland. So if you are a senior who is looking for a mate, Hawaii may offer very few options for you.

Pros of seniors living in Hawaii:

  • Some retirees can find jobs that they love in a place that they love, which will help them afford all the extras that they are likely to want to spend money on while living in Hawaii;
  • What’s the worst that could happen? You could just move home. Go for a visit or even try it for a year and see if Hawaii’s lifestyle works for you;
  • There is a slower pace of life in Hawaii (although one could argue that is true on almost all island nations or states). Time exists on its own schedule here and, after 40+ years of living in the fast-paced life of working, the slower pace of life may be appealing to you;
  • Due to the island location, proximity to the ocean, and fantastic year-long weather – Hawaii offers numerous options to a senior living there, including boating, ocean swimming, surfing, walking, good food - all while living in paradise.

Weather in Hawaii

Although the state of Hawaii is in a tropical climate, the altitude is so varied that is it is almost impossible to choose a climate that covers an entire island, let alone an entire state. For example, the island of Hawaii has 4 out of 5 climate groups in an area that is only 4,028 square miles in area. The islands that receive the most rainfall receive it on the north and east sides, whereas the coastal regions (especially the south and the west) tend to be drier.

Most of the precipitation falls in the winter – between October and April – and the drier conditions are between May to September. The warmer temperatures increase the risk of tropical cyclones it is rare that cyclones impact Hawaii. The temperatures at sea-level range between 85° F to 90° F during the summer and 79° F – 83° F during the winter months. Hawaii rarely sees snow except for on the three highest mountains of Mauna Kea, Mauna Loa, and Haleakala, which often get snow during the winter months.

There are often frequent light showers during the fall in Hawaii, particularly on the windward side, but these “storms” are rarely heavy enough to produce more than 0.01 inches of rain. The major storms in Hawaii happen between the months of October and March where there can be up to seven storms a year. “True Hurricanes” are unusual in Hawaii, partly due to the cooler waters around the islands – only four Hurricanes have affected the island in 63 years. Tropical Storms are more likely, yet they have more moderate winds than Hurricanes or cyclones and are not usually as destructive.

  • Honolulu, Hawaii gets approximately 79 inches of rain per year, yet it has 271 sunny days a year.

Hawaii History and Demographics

Although the state of Hawaii comprises eight main islands, there are also 1,500 islands included in the Hawaii archipelago. In this article, we will mainly be talking about the entire state of Hawaii and the eight main islands (although the main islands will be named as necessary.)

The state of Hawaii is the 8th smallest state in America and ranks 11th by population, yet it is the 13 most densely populated with 214 people living in every square mile. The coastline is the fourth largest of the states, behind Alaska, Florida, and California. The main islands that we are including when talking about the state of Hawaii are:

  • Hawaii – The Big Island – with an area of 4,028 square miles and a population of less than 200,000. The entire island is in Hawaii County, and the largest city, as well as the county seat, is Hilo. There are no incorporated cities in Hawaii County. There are three active volcanos on the island: Mauna Loa, Kilauea, and Hualalai;
  • Maui – The Valley Isle – with an area less than 750 square miles and a population less than 150,000.
  • O'ahu, or Oahu - the third largest of the Hawaiian Islands and is home to approximately 2/3 of the senior and total population of the state of Hawaii.
  • Kaua’i – The Garden Isle – approximately 555 square miles with a population of fewer than 70,000 people. It is the fourth largest of the Hawaiian Islands and is the 21st largest island in the United States. The most populous town is Kapa’a;
  • Moloka’I or Molokai – The Friendly Isle – with a land area of 38 by 10 miles in size, this island has a usable land area of just 260 square miles. This makes it the 5th largest of the main Hawaiian Islands and the 27th largest island in the United States. During the 1860s the island was used to quarantine treatment of those with leprosy, but that ended in 1969. This area is now preserved by the Kalaupapa National Historic Park;
  • Lana'i – also known as The Pineapple Isle – this is partly because of its history as an island-wide pineapple plantation. There is just one school on this island which serves K-12 grade.
  • Ni'ihau – also known as The Forbidden Isle - is the westernmost and seventh largest inhabited island in Hawaii. With a population of less than 200 and an area an area of 69.5 square miles, this island is off-limits to all but the relatives of the owners of the island. The people here are known for their creation of the pupu shell craftsmanship and speak Hawaiian as the primary language;
  • Kahoolawe – also called The Target Isle - is the smallest of the eight main volcanic islands in the Hawaiian archipelago. Historically, this island has not been very populated because there's very little fresh water on the island and today the island can only be used for Native Hawaiian cultural, spiritual, and subsistence purposes. There are no permanent residents on this island.

The state of Hawaii is the 8th smallest populated state in America, with an estimated 1.45 million people and it is the 24th largest state with an area of 59,425 square miles. The state density is 165 people per square mile, which is 18th in the country – lower than that of Ohio or Illinois. However, it depends on which island you are talking about as the different islands that make up the state of Hawaii have different populations and therefore different population densities.

The top three religious majorities are: Christianity (including Protestants, Roman Catholics, and Mormons at 29%); Buddhism (9%); and Judaism (0.8%). Regarding religions that are not Christianity based, Buddhism is the second most popular religion, particularly among the Japanese community. Almost 10% of the population self-identifies as “other”. A full 51% (650,000) of Hawaiians claim to be unaffiliated (which include agnostics, atheists, humanists, deists and the irreligious).

By adherents, the largest religious denominations were, The Roman Catholic Church (almost 250,000) and The Church of Jesus Christ of Latter-day Saints with almost 70,000. The third largest is the United Church of Christ with 115 congregations and 20,000 members and the fourth largest is The Southern Baptist Convention with 108 congregations and 18,000 members.

In the Hawaiian constitution, established in 1978, both English and Hawaii are listed as the “official languages” of Hawaii. However, almost 74% of Hawaiians speak English exclusively at home, 21% speak an additional Asian language (unspecified), 2.6% speak Spanish, 1.6% speak another Indo-European language, and 0.2% speak another language. After English, the other languages which are spoken popularly in the state are: Tagalong, Japanese, and Ilokano.

The estimated racial composition of Hawaii (2015) is: 37.3% Asian; 26.7% White (including White Hispanics); approximately 10% Asian; 2.6% Black; and 0.5% American Indian or Alaska Native. Hawaii has the highest percentage of Asian Americans and multiracial Americans and the lowest percentage of White Americans in any state. It is also the only state where Asian-Americans are the largest ethnic group. Hawaii was also the first majority-minority state in America as by 2014 the state will have a majority of people that are non-Hispanic white plurality.

Both English and Hawaiian are listed as the state’s “official languages. Hawaii's Creole English, also called “Pidgin,” is the native language of many native Hawaiians and is a second language for many others. As of 2010, 14.3% of the population were seniors over the age of 65, and that has only grown - as the latest census reports that those over 65 were an estimated 16.5% of the population.

Since the time that Hawaii became a state in 1959, the senior population increased much faster than the rate of the rest of America. However, since 2000, the elderly population has grown only slightly faster than the national rate. Since 1970, the number of elders grew at a rate of between 13%-16%. It is estimated that by 2030, seniors will represent 20% of the total population of Hawaii – one out of every five residents will be 65 or older.

Hawaii has a state income tax using 12 brackets, ranging from 1.4% to 11% on your taxable income. Taxable income is lower than a person’s actual income as it includes deductions and exemptions. The highest income tax of 11% is for those with a taxable income of over $200,001 annually. The top rate ranks about the national average in the nation.

Personal property, such as cars, and boats, for example, are not subject to property taxes. However, real property, land and improvements tax rates depend on the island. Property taxes vary with the county: Honolulu County charges $3.50 per $1000 of net residential property, Maui County charges $5.75, Hawaii $9.10 and Kauai is $4.25. These exemptions are for owner-occupied homes, and there are multiple age-based exemptions.

There is no inheritance or gift tax in Hawaii for those who passed away after January 25, 2012. However, there is an estate tax that ranges from 10% on estates up to $1 million and 15.7% on estates that are valued at more than $5 million.

Finally, if you chose to come to Hawaii to get married, you should have a minister officiate your wedding. If the state determines that your wedding was a non-religious “tourist wedding,” it is subjected to the state’s 4% excise tax.

Hawaii is also considered to be moderately tax-friendly state for seniors, due to the following:

  • Social Security Income is not taxed;
  • Withdrawals from retirement accounts are fully taxed;
  • Wages are taxed at normal rates, with the marginal state tax rate being 7.2%; and
  • Public pension income is not taxed, but private pension income is fully taxed.

The purchasing power in Hawaii is considerably lower than the average in the nation. For example, what would get you $100 worth of items in another state, would only get you $85.62 worth of things in Hawaii. Living in Hawaii is much more expensive overall than it is in other states, in every category. On a scale of 100 being the average, Hawaii ranks overall at 186.50 and is higher in every area, with housing being particularly high at 298.

Popular attractions for seniors living in Hawaii:

  • Hawaii Volcanoes National Park – located on the island of Hawaii – this is the home of Kilauea, which is one of the most active volcanos on Earth. It’s a popular visitor attraction and a sacred place for Native Hawaiians;
  • Haleakala National Park, Maui – located on the island of Maui – Haleakala National Park stretches across East Maui and is home to Haleakala Crater. It is a popular attraction due to the sunsets, which are breathtaking at this altitude;
  • Puuhonua o Honaunau National Historic Park, Hawaii – located on the island of Hawaii in Honaunau Bay – this is an area that has held on to the traditional way of Hawaiian Culture and life. It is a 180-acre national historical park and was once a place of refuge for ancient Hawaiian lawbreakers;
  • Pearl Harbor National Historical Landmark, Oahu – located on the island of Oahu – it is the only naval base in the United States that has been designated a National Historic Landmark. There are four museums to commemorate the ships located there: The U.S.S. Arizona Memorial, the Battleship Missouri Memoria, The U.S.S. Bowfin Submarine Memorial and the Pacific Aviation Museum;
  • Polynesian Cultural Center – located on the island of Oahu – after spending the day exploring the heritage of the Pacific Islands, you can wander through 42 acres of tropical splendor that includes hands-on activities. Seniors can enjoy a traditional Polynesian luau and end the night with an evening show that is unlike any other in the islands;
  • Mauna Kea – located on the island of Hawaii – it is a dormant volcano which stands 13,802 feet above sea level (the highest point in the state of Hawaii). It is the only place in the world where you can drive from sea level to 14,000 feet in around 2 hours. It is now used as an observatory;
  • Iolani Palace – located on the island of Oahu – a national historic landmark and the only official state residence of royalty in the United States. It was the official residence of the last two monarchs from 1882 to 1893: King Kalukaua and his sister and successor, Queen Lilluokalani; and
  • Dole Plantation – located on the island of Oahu – this famous plantation is an attraction for seniors and those of all ages. You can ride the “Pineapple Express” for a narrated ride through the plantation, as well as purchase pineapple. However, the main excitement of this attraction is the famous 3-acre maze with almost two and one-half miles of paths lined with plants that are native to Hawaii. There are eight “secret stations” located within the maze and those who finish the maze – it is one of the few permanent botanical mazes in America – win a prize, are entered into the history of the Dole Plantation and get their names recorded on a sign at the entrance to the maze.

Some places to consider for Hawaii Senior Living:

  • Hilo, Hawaii, Hawaii – located on the big island, Hilo is cheaper for seniors to live in than most places in Hawaii and does not have the tourists and commercial development that is common on Oahu;
  • Paia, Maui, Hawaii – although it is located on the island of Maui which is quite a tourist magnet, this small seaside town has beautiful beaches and a thriving art scene. This is the city where even the locals go to get away from it all;
  • Haleiwa, Oahu, Hawaii – this is located on the island of Oahu which is one of the most highly densely populated areas in America, yet this town, which is located on the North Shore, is described as a sleepy beachside town during the summer and a happening surf mecca in the winter;
  • Kailua-Kona, Hawaii, Hawaii – located on the big island, this town is an area that receives little rain and is known for its golf courses, spectacular beaches, and a senior cost of living that is lower than average for Hawaii; and
  • Hana, Maui, Hawaii – although it is a tourist attraction due to the natural wonders, it still allows one to live in relatively isolated surroundings. This location is recommended for seniors who want to live in a place that allows them to escape from civilization and truly relax.

Common Questions About Assisted Living in Hawaii

1. What are the benefits of assisted living in Hawaii?

Assisted living in Hawaii offers a range of benefits, including access to beautiful natural surroundings, a mild tropical climate, and a strong sense of community. Seniors can enjoy various recreational activities and cultural experiences, such as hula dancing and luaus, while receiving the care and support they need.

2. How much does assisted living cost on average in Honolulu?

The cost of assisted living in Honolulu, Hawaii, can vary depending on factors like location, amenities, and the level of care provided. On average, the monthly cost ranges from $3,500 to $7,000. It's advisable to research different facilities and inquire about their specific pricing structures.

3. What types of cultural activities are available for seniors in Oahu?

Seniors in Oahu can engage in various cultural activities, such as attending traditional Hawaiian music and dance performances, visiting museums showcasing local history, and participating in lei-making workshops. The vibrant cultural scene in Oahu provides enriching experiences for assisted living residents.

4. Is memory care available in assisted living communities in Maui?

Yes, many assisted living communities in Maui offer specialized memory care programs for seniors with Alzheimer's disease or dementia. These programs provide tailored support, cognitive activities, and a safe environment for residents with memory impairments to thrive and maintain their quality of life.

5. What recreational opportunities are there for seniors in Kauai?

Seniors in Kauai can enjoy a variety of recreational opportunities, such as exploring the stunning landscapes of Waimea Canyon, taking leisurely walks on the beaches, and participating in organized nature excursions. The natural beauty of Kauai enhances the quality of life for assisted living residents.

6. Are medical services readily available in assisted living facilities?

Yes, many assisted living facilities in Hawaii provide access to medical services through partnerships with local healthcare providers. Residents can receive regular check-ups, medication management, and assistance with healthcare needs, ensuring their well-being and peace of mind.

7. What is the average staff-to-resident ratio in assisted living communities?

The staff-to-resident ratio in assisted living communities varies, but generally, communities aim to maintain a ratio that allows for personalized care. On average, you can find ratios ranging from 1:5 to 1:8. It's important to inquire about staffing levels when researching different facilities.

8. Can residents maintain an active lifestyle in assisted living?

Yes, assisted living communities in Hawaii encourage residents to maintain an active lifestyle. They offer fitness classes, walking groups, and organized outings to keep seniors engaged and physically active. Staying active promotes overall health and well-being for residents in these communities.

9. What dining options are available for seniors in assisted living?

Assisted living communities in Hawaii provide dining options that cater to seniors' nutritional needs and preferences. Residents can enjoy locally sourced ingredients, Hawaiian cuisine, and options for special dietary requirements. The dining experience fosters social interaction and a sense of community among residents.

10. Are there transportation services for residents to explore Hawaii?

Many assisted living communities offer transportation services for residents to explore different parts of Hawaii. Residents can go on group outings to local attractions, cultural events, and scenic spots. This allows seniors to stay connected to the beauty and culture of Hawaii while receiving the care they need.

11. Are assisted living facilities pet-friendly in Hawaii?

Yes, many assisted living facilities in Hawaii are pet-friendly and understand the positive impact of pets on seniors' well-being. Residents can bring their small pets, like cats or dogs, to live with them, creating companionship and a homelike environment within the community.

12. How can families stay involved in the lives of their loved ones in assisted living?

Assisted living communities in Hawaii encourage family involvement through regular communication, scheduled visits, and participation in community events. Families can stay connected with their loved ones and be engaged in their care and activities, fostering a sense of connection and support.

13. What assisted living options are available in Hilo?

In Hilo, seniors have access to various assisted living options, including independent living communities, memory care facilities, and those offering different levels of care. Each facility provides a unique set of amenities and services to cater to the specific needs of seniors in th

Cities and Counties With Assisted Living Facilities in Hawaii

Don't see your city/town/village on the list? Please use our search bar at the top of the page to search through 58 senior living options from 27 cities, towns and villages in Hawaii. Simply enter your city name or zip code.

SeniorGuidance.org provides comprehensive resources on various senior living options, including: assisted living facilities, senior living communities, nursing homes, independent living communities, continuing care retirement communities (CCRC) and all other long term senior care options, including memory care such as Alzheimer's or Dementia.

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