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Re: Stuck on health insurance and freaking out

Alana33
August 05, 2016 03:15PM

Registered: 6 years ago
Posts: 11,787

One of my girlfriends had diabetes and they wouldn't cover her.
It was pretty expensive too, if I remember correctly.

Re: Stuck on health insurance and freaking out

LoveUSVI
August 05, 2016 04:37PM

Registered: 2 years ago
Posts: 28

Quote
Spartygrad95
Why couldn't the VI institute a single payer system on their own. (This is tongue in cheek)

Hi Spartygrad,

There was a proposal for single payer system in the USVI:

[stthomassource.com]

I have not heard anything else since then.



Edited 1 time(s). Last edit at 08/05/2016 04:39PM by LoveUSVI.

Re: Stuck on health insurance and freaking out

Spartygrad95
August 05, 2016 05:00PM

Registered: 4 years ago
Posts: 1,884

I don't think they could pull it off here based on their horrific track record, but the only way the U.S. will bring health care costs down is by implementing this

Re: Stuck on health insurance and freaking out
avatar

rotorhead
August 05, 2016 05:06PM

Registered: 12 years ago
Posts: 2,449

Quote
Spartygrad95
Yup. That's what happens when you have for profit insurers covering health. Single payer is the only way to actually lower costs.

There are other ways to lower healthcare costs. In Panama for example, you can subscribe to a hospital plan. You purchase coverage directly from the hospital, no insurance company involved, no government agency involved. They have low caps on malpractice claims.

When I checked, 2 years ago, at 63 it would have cost me $95/mo. This was for no deductible and included drug coverage. No preexisting condition questions on the form.

For those who could not even afford that, the government provided minimal healthcare for free. Free clinics, free government hospital, etc.

Re: Stuck on health insurance and freaking out

sunshinefun
August 05, 2016 05:09PM

Registered: 5 years ago
Posts: 589

OMG...imagine the rampant waste and nepotism. You thing there is dysfunction in the VI healthcare universe now.

Re: Stuck on health insurance and freaking out

Spartygrad95
August 05, 2016 05:36PM

Registered: 4 years ago
Posts: 1,884

Quote
rotorhead
Quote
Spartygrad95
Yup. That's what happens when you have for profit insurers covering health. Single payer is the only way to actually lower costs.

There are other ways to lower healthcare costs. In Panama for example, you can subscribe to a hospital plan. You purchase coverage directly from the hospital, no insurance company involved, no government agency involved. They have low caps on malpractice claims.

When I checked, 2 years ago, at 63 it would have cost me $95/mo. This was for no deductible and included drug coverage. No preexisting condition questions on the form.

For those who could not even afford that, the government provided minimal healthcare for free. Free clinics, free government hospital, etc.[/quote

Free huh? So a unicorn rained monies down upon doctors providing the service?

Re: Stuck on health insurance and freaking out

mtdoramike
August 05, 2016 08:03PM

Registered: 5 years ago
Posts: 923

Quote
sunshinefun
Quote
justin123
I am stuck on health insurance and really need the helpful advice! happy

I'm looking for individual health insurance on St John. I am a US citizen moving on Island this month (August 2016). An employer plan is not an option as my employer has no plans available in the Virgin Islands

Why do you need health insurance anyway? Are you prone to accidents or sickly?

If you're young and healthy, save your money. Its much cheaper to pay doctors and dentist visits as you need them for routine stuff. Most have discounts for those paying without insurance.

I guess you live on the cuff. I was thought to be healthy as well until I had a heart attack. Two weeks in the hospital and $100,000.00 later it was determined I wasn't as healthy as we thought. No warning, it just happened. Fortunately I had health insurance and it still cost me $10,000.00 out of pocket, which was every dime I had in the bank at that time.

Unfortunately HGTV and the travel channel don't show this part of their come to the Islands mon and live it up.



Edited 1 time(s). Last edit at 08/05/2016 08:08PM by mtdoramike.

Re: Stuck on health insurance and freaking out

mtdoramike
August 05, 2016 08:05PM

Registered: 5 years ago
Posts: 923

If you don't have individual or employer or medicare/medicaid, stay where you are at. It only takes an instant of an illness to put you hundreds of thousands of dollars in the hole that you may never be able to dig yourself out of.


mike

Re: Stuck on health insurance and freaking out

sunshinefun
August 08, 2016 08:14AM

Registered: 5 years ago
Posts: 589

Quote
mtdoramike
If you don't have individual or employer or medicare/medicaid, stay where you are at. It only takes an instant of an illness to put you hundreds of thousands of dollars in the hole that you may never be able to dig yourself out of.
mike

I suppose it depends on what name you check into the hospital under.

Re: Stuck on health insurance and freaking out

Gator's Mom
August 08, 2016 09:17AM

Registered: 5 years ago
Posts: 796

Would it be possible to enroll at UVI and qualify for student health insurance?

Re: Stuck on health insurance and freaking out

OldTart
August 08, 2016 09:27AM

Registered: 6 years ago
Posts: 6,524

UVI does not provide health insurance to students:
[www.uvi.edu]

Re: Stuck on health insurance and freaking out

STTsailor
August 08, 2016 12:56PM

Registered: 2 years ago
Posts: 481

I was talking to one of the vendors here who told me the get international health insurance policy by UK underwriter and get provisions for emergency care only in USVI. For elective care they travel to private clinics in Europe where insurance covers them in full. It makes sense for for major dental work, operative care etc.
For office visits they use local family doc and pay cash. Creative, I must say but they get by and actually were very satisfied with operative care they got in Belgium clinic.

Re: Stuck on health insurance and freaking out

homeschoollady
August 08, 2016 02:56PM

Registered: 3 years ago
Posts: 13

The territories were given other options for OBAMACARE and we chose to get Medicare benefits instead!...previous Administration

Re: Stuck on health insurance and freaking out

ms411
August 08, 2016 03:19PM

Registered: 8 years ago
Posts: 3,400

And what were those other options? The VI can't form an exchange because no insurers want to cover such a small, aging population.

Unless there's a federal, single payment option that includes territories, we won't get individual health insurance. PR opted for the same Medicaid increase as VI. They have their own PR public health plan, but that's going broke.



Edited 1 time(s). Last edit at 08/08/2016 03:19PM by ms411.

Re: Stuck on health insurance and freaking out

East Ender
August 08, 2016 04:29PM

Registered: 13 years ago
Posts: 4,909

Medicare is health insurance for the "aged" and some younger folk with chronic illness.

Medicaid is health insurance for the poor and people with certain disabilities. This is what the ACA has allowed states (and territories) to access.

Re: Stuck on health insurance and freaking out

IslandHops
August 08, 2016 04:29PM

Registered: 9 years ago
Posts: 929

The single payer system proposed by VIHealthCare was a good idea, but difficult to implement. A similar approach, that would still be available to anyone, yet not preclude for-profit insurance companies from the marketplace, would be a government health plan that is open to the public.

Problem is in 1) establishing the political mandate to enact this, 2) ensuring funding is appropriately directed, which seems to be a struggle as evident by the state of GERS, and 3) the political will to force all government employees to utilize local services through specifically directed plans. BTW this would also elevate the level of care that our facilities would be able to provide.

If anyone is interested in more details in how this would work, pm me with your e-mail and I'll forward you a brief document on the subject.

Re: Stuck on health insurance and freaking out

Gator's Mom
August 08, 2016 04:45PM

Registered: 5 years ago
Posts: 796

Re: Stuck on health insurance and freaking out

STTsailor
August 08, 2016 04:58PM

Registered: 2 years ago
Posts: 481

Quote
Gator's Mom
FYI

[lawblog.vilaw.com]

From 2012.

Re: Stuck on health insurance and freaking out

Gator's Mom
August 08, 2016 05:06PM

Registered: 5 years ago
Posts: 796

Quote
STTsailor
Quote
Gator's Mom
FYI

[lawblog.vilaw.com]

From 2012.

Answering ms411's inquiry about options considered before VI chose Medicaid expansion rather than pursuit of ACA for its citizens.

Re: Stuck on health insurance and freaking out

OldTart
August 08, 2016 05:10PM

Registered: 6 years ago
Posts: 6,524

Quote
Gator's Mom
Quote
STTsailor
Quote
Gator's Mom
FYI

[lawblog.vilaw.com]

From 2012.

Answering ms411's inquiry about options considered before VI chose Medicaid expansion rather than pursuit of ACA for its citizens.

Ancient news which was covered in detail and hard to imagine that Ms411 wasn't aware of it.

Re: Stuck on health insurance and freaking out

IslandHops
August 08, 2016 05:19PM

Registered: 9 years ago
Posts: 929

It would be interesting to know how the million was spent 'studying' the possibility of setting up an exchange.

I wonder if it would be remotely possible for all the uninsured virgin island residents to file a class action suit against the government of the VI for their failure to provide an exchange - given there is no other insurance available in the territory?

PS. What's the best fake name to use at the hospital? - Just in case of a heart attack.

Re: Stuck on health insurance and freaking out
avatar

rotorhead
August 08, 2016 05:23PM

Registered: 12 years ago
Posts: 2,449

Quote
IslandHops
PS. What's the best fake name to use at the hospital? - Just in case of a heart attack.

Anne Gyna

Re: Stuck on health insurance and freaking out

ms411
August 08, 2016 05:49PM

Registered: 8 years ago
Posts: 3,400

Thanks, but I was aware of the options that were considered.

Bottom line, no individual health insurance in VI. How many times and ways do we have to say it?

Alternative medicine and herbal remedies are very popular here because so many are uninsured.

Re: Stuck on health insurance and freaking out

OldTart
August 08, 2016 06:24PM

Registered: 6 years ago
Posts: 6,524

And, as I mentioned earlier, no affordable individual health care insurance has been available here for donkey's years. And we've been relaying that message to potential newcomers for donkey's years. Nothing new there other than that the Affordable Health Care Act has led many potential newcomers to assume that it extends to the US territories.

No, it doesn't, not to any of the US territories because it wasn't fiscally viable for the territories to participate. That may well change in the future as the Affordable Heath Care Act gets tweaked and tuned. It all takes time but, right now, it's status quo for the USVI.

Re: Stuck on health insurance and freaking out

daveb722
August 08, 2016 06:24PM

Registered: 3 years ago
Posts: 472

Quote
IslandHops


PS. What's the best fake name to use at the hospital? - Just in case of a heart attack.


Alicia "Chucky" Hansen

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