Business Details
15 Years
experience
Your Hawaii Insurance Experts Since 2011
Analipo Insurance is a licensed independent life and health insurance agency based in Kailua-Kona, Hawaii, serving clients statewide since 2011. Our team brings over 44 years of combined industry experience, offering personalized guidance through transparent and client-centered practices. We represent multiple local and national insurance carriers, providing flexibility to compare options and secure competitive rates tailored to individual, family, and employer group needs. Our mission focuses on simplifying complex insurance processes while prioritizing honesty, integrity, and professionalism. With expertise in Medicare solutions, life insurance, and employee benefits, we empower clients to make informed decisions that protect their financial and health goals.Our founder, Matthew Casabar, established the agency to address Hawaii residents' unique insurance challenges, combining local market knowledge with national carrier access. We maintain ongoing client relationships through continuous education and support, ensuring coverage evolves with changing needs. Our commitment extends beyond policy sales to long-term advocacy, helping clients navigate enrollment, claims, and coverage adjustments throughout their policy lifecycle.
Services
Medicare Insurance
Life Insurance
Group Health Insurance
Medicare Supplement
Prescription Drug Plans
Dental & Vision Plans
Long Term Care
Annuities
Details
- Year established: 2011
Highlights and features
- We offer 13+ years of local insurance expertise in Hawaii's unique market.
- Our independent brokerage model compares 8+ carriers to find your best rate.
- 44+ combined years of industry experience ensures comprehensive coverage guidance.
- No broker fees apply to most policies through our carrier partnerships.
- We provide personalized Medicare education and enrollment assistance.
What people say
Trusted healthcare advocate
Excellent service
Thoroughness and knowledge
No hidden fees
Local market expertise
Services
Medicare Supplement
Medicare Supplement (Medigap) plans bridge coverage gaps in Original Medicare by covering deductibles, copayments, and coinsurance. We offer Plan F, G, and N options with guaranteed renewal and portability across networks. Our experts help clients evaluate premium costs against coverage needs for predictable healthcare expenses.
Medicare Advantage
Medicare Advantage plans combine Part A and B benefits with additional coverage for dental, vision, and prescriptions. We provide HMO, PPO, and PFFS options from 8 carriers, helping clients compare network restrictions, out-of-pocket maximums, and star ratings for quality care coordination.
Group Health Insurance
We design customized group health plans for Hawaii businesses, ensuring compliance with state mandates while balancing affordability and coverage. Our services include carrier comparisons, plan design consultations, and ongoing HR support for small to mid-sized employers navigating the Prepaid Health Care Law requirements.
Prescription Drug Plans
Our Part D prescription drug plans work with Original Medicare or Medicare Advantage to cover medication costs. We analyze formularies, pharmacy networks, and tiered pricing structures to find plans that match clients' specific medication needs while avoiding late enrollment penalties.
Dental & Vision Plans
We offer standalone dental and vision plans for Medicare beneficiaries, covering routine exams, cleanings, dentures, and eyewear. Options include discount plans and insurance products with network providers, helping clients budget for preventive care not covered under Original Medicare.
People
Matthew Casabar
Agency Owner & Principal Advisor
Matthew Casabar founded Analipo Insurance in 2011 after 7 years in Utah's insurance industry. He holds licenses in life, health, and employee benefits, focusing on Hawaii's unique insurance landscape. His 19+ years of local experience guide clients through Medicare transitions and business coverage solutions.
Questions
Why use an independent insurance agent?
Independent agents compare multiple carriers to find competitive rates while providing personalized guidance through complex insurance decisions.
Do I need additional insurance with Original Medicare?
Original Medicare lacks out-of-pocket caps - Medicare Supplement or Advantage plans can provide financial protection against high medical costs.
What's the difference between Medigap and Medicare Advantage?
Medigap works with Original Medicare for predictable costs, while Medicare Advantage offers bundled benefits with network restrictions.
When can I enroll in Medicare plans?
Annual enrollment runs October 15-December 7, with special periods available for qualifying life events.
How do deductibles and copays work?
Deductibles are annual amounts paid before coverage starts, while copays are fixed fees per service like doctor visits.
