One Kalakaua offers five medical plans to choose from. Two (2) plans are HMO plans provided through Kaiser. You also have the choice to pick between two (2) PPO plans and one (1) HMO plan through Hawaii Medical Service Association (HMSA).

If you choose to elect an HMO plan, you must designate a primary care physician. All care is coordinated through that provider, and you are only allowed to see that primary care provider (PCP). Any care that cannot be done by that provider will be referred and coordinated by your PCP.

Additional Resources:

• Explore Healthy Resources Online Tools Brochure
• $0 Maternity and Children's Office Visits Flyer
• Away From Home Care Options Flyer
• Fit Rewards Flyer 2023
• Get Virtual Care Now Flyer

Flexible Spending Accounts (FSA) are funded with pre-tax dollars, so when you incur eligible out-of-pocket health or dependent care expenses and you use the funds you allocated to your FSA, you are not paying any income taxes on that money. The overall result is that you pay less in taxes and have more take-home pay. You are eligible for a Health Care FSA and Dependent Care FSA even if you waive medical insurance from One Kalakaua.

Three FSA Account Types

• HEALTH CARE FSA –You can contribute up to $3,050 towards your health care FSA. Use that money to pay for any and all out-of-pocket eligible health care expenses that are incurred during the year by yourself or any IRS dependent.
• LIMITED PURPOSE HEALTH CARE FSA –If you have an HSA, this is the FSA for you. You can contribute up to $3,050 annually for qualified dental and vision expenses.
• DEPENDENT CARE FSA –You can contribute up to $5,000 ($2,500 if married filing separately) towards your dependent care FSA. Use that money to pay for qualified daycare expenses for your children under age 13 or any other person who qualifies as an IRS dependent.

Administered by Aflac

When you suffer an accident (on and off-the-job) such as a burn or broken bone, Accident Insurance provides a lump-sum cash benefit based on your injury(s) and the treatment you receive. These benefits are paid on top of what your health insurance covers, and can be used at your own discretion. And every year that you complete a qualified health screening, you are eligible for a $50 Wellness Benefit. Elect coverage without answering medical questions!

Administered by Aflac

This plan provides a lump-sum cash benefit to help pay for out-of-pocket medical expenses or any other bills that need attention, including rent or groceries. Covered conditions include heart attack, major organ failure, kidney failure, stroke, cancer, and more. And every year that you and a covered spouse complete a qualified health screening, you are each eligible for a $50 Wellness Benefit.  During this enrollment period only, enroll without answering medical questions!

Administered by Aflac

Even with health insurance, a stay in the hospital can become costly quickly as out-of-pocket charges begin to add up. Hospital Indemnity Insurance through Lincoln Financial Group can reduce the financial and emotional stress of a hospital stay by providing a lump sum cash benefit directly to you that can be used however you need, whether that’s for coinsurance or childcare. With two levels of coverage, you can choose the coverage that best fits your needs!

Basic Life and AD&D
Basic Term Life and Accidental Death and Dismemberment (AD&D) Insurance in the amount of $50,000 is available at no cost to you and is paid for by One Kalakaua. Your designated beneficiary will receive a benefit to help ease their financial burden if you die from a covered accident or illness. AD&D provides an additional benefit if you die or become dismembered due to a specifically covered accident.

Supplemental Life and AD&D
The Voluntary Term Life plan allows employees to elect additional life and dependent life coverage to supplement the Basic Life policy. This coverage is entirely optional and is paid for by the employee. Spouse and dependent child coverage is only available if the employee is insured for voluntary coverage.

Universal Life Insurance through Transamerica provides lifelong protection with flexible premiums. This plan protects your family with money that can be used any way they choose. It is most often used to pay for mortgage or rent, education for children and grandchildren, retirement, family debt, and final expenses.

Program Highlights

• Coverage is available for yourself, your spouse, your children, and grandchildren
• Permanent, portable, and flexible coverage
• Benefits for long term care services such as home health or nursing home care

During this enrollment period, you have the opportunity to elect coverage without answering medical questions. Please see a benefit counselor for more information.