Financial Benefits Insurance, Inc

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Financial Benefits Insurance, Inc Medicare is our business, Service sets us apart! Financial Benefits Insurance, Inc. Travis and Edward Motosue are the co-principals.

is an Insurance Brokerage which specializes in Baby Boomer products: retirement planning, long-term care plans, Medicare, Medicare advantage plans, and annuities.

Choosing a Medicare plan is an important decision. You do not have to figure it out on your own.Here is what sitting dow...
10/09/2026

Choosing a Medicare plan is an important decision. You do not have to figure it out on your own.

Here is what sitting down with one of our locally licensed agents looks like:

🩺 Your doctors, first
💊 Your medications, checked plan by plan
⚖️ Plans from multiple carriers, side by side
💬 Plain answers to every question

Our service is always free. Commissions are paid by the insurance carriers, so there is no cost to you, no obligation, and nobody will rush you.

What is the first question you would want answered?

Have questions about your Medicare options? Call us at (808) 792-5194 or visit fbihi.com, we are happy to help.

We represent multiple carriers. Plan availability varies by county.

True or False: during Open Enrollment, you can switch from Original Medicare to a Medicare Advantage plan.Worth knowing ...
10/07/2026

True or False: during Open Enrollment, you can switch from Original Medicare to a Medicare Advantage plan.

Worth knowing before October 15.

Take a guess in the comments before you look it up.

No hints.

True or False? Drop your answer below.

Want to see what plans are available in your area? Send us a message or call (808) 792-5194 for a free, no obligation plan comparison.

Starting January 1, the yearly cap on what you pay out of pocket for covered Part D drugs goes up to $2,400. 💊In 2026 th...
10/04/2026

Starting January 1, the yearly cap on what you pay out of pocket for covered Part D drugs goes up to $2,400. 💊

In 2026 the cap is $2,100.

Two more numbers for 2027:
✅ A drug plan's deductible can be no more than $700
✅ Insulin stays capped at $35 a month for each covered insulin product

Those are the limits. Your own plan's costs sit inside them, and plans change which drugs they cover and what they charge every year. That is worth a look before January.

Had you heard the cap is going up for 2027?

Have questions about your Medicare options? Call us at (808) 792-5194 or visit fbihi.com, we are happy to help.

Benefits and premiums vary by plan and location.

Did you get a letter about your plan changing?If you have a Medicare Advantage plan or a Medicare drug plan, your plan s...
10/02/2026

Did you get a letter about your plan changing?

If you have a Medicare Advantage plan or a Medicare drug plan, your plan sends you one each year. It is called the Annual Notice of Change.

It lists what is changing in January: your coverage, your costs, your provider network, even where the plan is offered.

It is easy to set aside with the rest of the mail. It is worth opening. If something that matters to you has changed, Open Enrollment, October 15 to December 7, is when you can do something about it.

If you have not seen yours, you can call your plan and ask for it.

Did anything in yours surprise you?

💬 Not sure if your current plan is still the best fit? We will review it with you, free. Call (808) 792-5194 or message us here.

We do not offer every plan available in your area. Currently we represent 7 organizations which offer 33 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

10/01/2026

Open Enrollment opens October 15. Here are three things worth checking on your plan before then.

1️⃣ Your medications. Plans change which drugs they cover, and at what tier, every year.
2️⃣ Your doctors. Networks change too. The doctor on your plan last year may not be on it this year.
3️⃣ What you actually used. A benefit you never used may not be worth what you pay for it.

None of that takes long. It just takes checking.

Which one are you going to check first?

❓ Have questions about your Medicare options? 📞 Call us at (808) 792-5194 or visit fbihi.com, we are happy to help.

We represent multiple carriers. Plan availability varies by county.

If you are managing a chronic condition, there may be a Medicare plan built specifically for it.They are called Chronic ...
09/30/2026

If you are managing a chronic condition, there may be a Medicare plan built specifically for it.

They are called Chronic Condition Special Needs Plans. They are designed around one condition, or a group of related ones.

Diabetes. Chronic heart failure. Dementia. End Stage Renal Disease. HIV and AIDS. Others too.

Because the plan is built around the condition, the coverage and the care coordination are shaped around it as well.

Not everyone has one available where they live, which is worth finding out rather than assuming.

Is this the first you are hearing about these?

Want to see what plans are available in your area? Send us a message or call (808) 792-5194 for a free, no obligation plan comparison.

Benefits and premiums vary by plan and location.

Three things worth checking on your current plan before October 15.One: your medications. Plans change which drugs they ...
09/27/2026

Three things worth checking on your current plan before October 15.

One: your medications. Plans change which drugs they cover and what tier those drugs sit on, and they do it every year.

Two: your doctors. Networks change too. The plan that had your doctor last year may not this year.

Three: what you actually used. If you did not use a benefit all year, it may not be worth what you are paying for it.

None of that takes long to check. It just takes checking.

Which of the three are you least sure about right now?

Have questions about your Medicare options? Call us at (808) 792-5194 or visit fbihi.com, we are happy to help.

We represent multiple carriers. Plan availability varies by county.

Medicare is not only for people 65 and older.You can also qualify before 65 through a disability, through End Stage Rena...
09/24/2026

Medicare is not only for people 65 and older.

You can also qualify before 65 through a disability, through End Stage Renal Disease, or through ALS.

A lot of people who are eligible have no idea they are, because everything they have ever read about Medicare had a picture of a retiree on it.

If that might be you, or somebody you love, it is worth a conversation. There may be more options than you think.

Did you know this? Yes or no.

Not sure if your current plan is still the best fit? We will review it with you, free. Call (808) 792-5194 or message us here.

True or False: Medicare pays for long term care in a nursing home.Most people get this one wrong, and it is an expensive...
09/23/2026

True or False: Medicare pays for long term care in a nursing home.

Most people get this one wrong, and it is an expensive one to be wrong about.

Take a guess in the comments before you look it up.

No hints.

True or False? Drop your answer below.

Want to see what plans are available in your area? Send us a message or call (808) 792-5194 for a free, no obligation plan comparison.

A lot of the Medicare questions we get do not come from the person on Medicare.They come from a daughter on her lunch br...
09/20/2026

A lot of the Medicare questions we get do not come from the person on Medicare.

They come from a daughter on her lunch break. A son who moved back home. A niece who is the one in the family who is good with paperwork.

If that is you: you do not have to become an expert. You just have to know who to call.

Bring your questions, bring your parent, or bring neither and just ask. There is no cost and no obligation, and nobody is going to make you decide anything on the spot.

If you are the one in your family who handles this, what is the hardest part?

Have questions about your Medicare options? Call us at (808) 792-5194 or visit fbihi.com, we are happy to help.

Address

1311 Kapiolani Boulevard, Suite 504
Honolulu, HI
96814

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+18087925194

Website

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