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Blue Cross Blue Shield PPO

maggiesavovska
May 31, 2017 01:48PM

Registered: 7 months ago
Posts: 1

I am moving to St Thomas, VI August 1st. I'm wondering if I can keep my insurance which is Blue Cross Blue Shield PPO (briefcase symbol on my card). I've called 4 doctors on the island including redhook family practice (http://www.redhookfamilypractice.com/index.cfm/fuseaction/site.content/type/contact.cfm) and they all say they accept BCBS PPO. Although I've heard rumors that BCBS members have to switch to a new insurance when they move to St. Thomas. Can anyone give me input on this? I pretty much trust what the Dr. offices said, but i'm just worried i'm overlooking something. Thanks!

Re: Blue Cross Blue Shield PPO

Gator's Mom
May 31, 2017 02:38PM

Registered: 4 years ago
Posts: 701

Not knowing your circumstances .....

If you are leaving an employer you can use COBRA to continue your insurance for 18 months. Sometimes this insurance will work in the VI - check your insurance policy.

If you are retiring early, check with your employer on how insurance works for its retirees.

If you use ACA insurance and change your residency to the VI, you won't be able to retain that insurance.

There are many BCBS companies and plans. Some cover only within the state where you reside, others have more global coverage. You can go to your BCBS company's website to determine this. Many health providers in the VI accept certain BCBS insurance - but it depends on the plan.

I suggest reading your insurance policy/researching your insurance company's website first and then determining your strategy.

At this point you cannot get individual health insurance in the VI.

Re: Blue Cross Blue Shield PPO

fdr
June 01, 2017 08:43AM

Registered: 9 years ago
Posts: 1,132

What Gator's Mom said. Whether you will be covered at local doctors under your current plan is one thing. Whether you will be able to keep your insurance as a USVI resident is entirely a separate matter.

Re: Blue Cross Blue Shield PPO

speee1dy
June 01, 2017 09:30AM

Registered: 9 years ago
Posts: 8,265

please keep in mind we have no individual insurance options here

Re: Blue Cross Blue Shield PPO

LBMcG
June 03, 2017 09:09AM

Registered: 1 year ago
Posts: 2

How do you live there without health insurance? Would love to relocate but can't wrap my head around thisconfused smiley

Re: Blue Cross Blue Shield PPO

Scubadoo
June 03, 2017 01:11PM

Registered: 3 years ago
Posts: 1,756

Employer health care, Medicare, or go without.

Re: Blue Cross Blue Shield PPO

vicanuck
June 05, 2017 10:41AM

Registered: 7 years ago
Posts: 2,095

Quote
LBMcG
How do you live there without health insurance? Would love to relocate but can't wrap my head around thisconfused smiley

We didn't have health insurance for the first 10 years we lived here and didn't worry a bit.

If you or your spouse has citizenship in another country, you can probably get affordable coverage from one of the international expat insurers. I have Cigna Global now but I'm not sure if they are writing new policies in the VI at the moment. There are others.

Re: Blue Cross Blue Shield PPO

fdr
June 06, 2017 06:16AM

Registered: 9 years ago
Posts: 1,132

Quote
vicanuck
Quote
LBMcG
How do you live there without health insurance? Would love to relocate but can't wrap my head around thisconfused smiley
I have Cigna Global now but I'm not sure if they are writing new policies in the VI at the moment. There are others.

They are not.

There is HealthCare International, but it's not traditional insurance (you pay up front and they reimburse you, if your expenses qualify). If you have any sort of pre-existing condition, they won't cover it.

Re: Blue Cross Blue Shield PPO

vicanuck
June 06, 2017 08:28AM

Registered: 7 years ago
Posts: 2,095

Quote
fdr
There is HealthCare International, but it's not traditional insurance (you pay up front and they reimburse you, if your expenses qualify). If you have any sort of pre-existing condition, they won't cover it.

There are several others.

Re: Blue Cross Blue Shield PPO

STTsailor
June 06, 2017 01:52PM

Registered: 2 years ago
Posts: 458

Stay healthy my friends.
Best policy ever.

Re: Blue Cross Blue Shield PPO

Scubadoo
June 06, 2017 09:31PM

Registered: 3 years ago
Posts: 1,756

Quote
STTsailor
Stay healthy my friends.
Best policy ever.

If that works, go to Vegas.

Re: Blue Cross Blue Shield PPO

fdr
June 06, 2017 09:38PM

Registered: 9 years ago
Posts: 1,132

Vicanuck, please name some names! I would love to hear about more options, for any citizenship.

Re: Blue Cross Blue Shield PPO

vicanuck
June 07, 2017 09:21AM

Registered: 7 years ago
Posts: 2,095

Quote
fdr
Vicanuck, please name some names! I would love to hear about more options, for any citizenship.

Just Google "expat healthcare policies" and you'll find several.

Re: Blue Cross Blue Shield PPO

Wilycat
June 10, 2017 08:13PM

Registered: 7 months ago
Posts: 3

Some time back I had reason to call]BCBS. I reached a real person -- she was very knowledgeable & helpful. Just a thought.

Re: Blue Cross Blue Shield PPO

Fishbait
June 15, 2017 01:42PM

Registered: 9 months ago
Posts: 18

It blows my mind that there is no individual health insurance for US citizens living in the USVI. I am not moving until I am 65 & eligible for Medicare. I found Medicare supplemental through AARP.
Any advice about not needing insurance falls on deaf ears when you are talking about senior citizens. (pun intended)

Re: Blue Cross Blue Shield PPO

vicanuck
June 15, 2017 06:15PM

Registered: 7 years ago
Posts: 2,095

If you or your spouse happen to have citizenship in another country or dual citizenship, here is another expat health insurance provider that writes policies in the USVI (I recently got a quote to compare with my existing Cigna Global coverage):

[americas.msh-intl.com]

Re: Blue Cross Blue Shield PPO

LBMcG
June 15, 2017 06:25PM

Registered: 1 year ago
Posts: 2

I hear ya Fishbait!!!!

Re: Blue Cross Blue Shield PPO

AandA2VI
June 17, 2017 11:00PM

Registered: 5 years ago
Posts: 2,090

We have BCBS PPo through OfficeMax. While it's of Illinois they do take it. Honestly I find it's easier just to pay cash for visits and when I need RX as we have. A high deductible and I rarely go to the dr.

I know nothing about Medicare but there's another thread that was posted about it not being offered here either. You're not in Kansas anymore. The price of paradise...

Re: Blue Cross Blue Shield PPO

speee1dy
June 18, 2017 07:47AM

Registered: 9 years ago
Posts: 8,265

medicare is offered here.

Re: Blue Cross Blue Shield PPO

Daval
June 28, 2017 02:39PM

Registered: 2 years ago
Posts: 54

Our Employer sponsored health insurance is BCBS PPO. We had an issue while on the Island in 2016 and it was covered like a regular visit at Alternative Medical on St. Croix. According to my provider finder online, our insurance will still work there at several places. If you have an ACA plan, they will not pay there.

Re: Blue Cross Blue Shield PPO

watruw8ing4
June 28, 2017 07:56PM

Registered: 10 years ago
Posts: 849

Quote
Daval
Our Employer sponsored health insurance is BCBS PPO. We had an issue while on the Island in 2016 and it was covered like a regular visit at Alternative Medical on St. Croix. According to my provider finder online, our insurance will still work there at several places. If you have an ACA plan, they will not pay there.

Actually, my ACA plan paid here when I had it. That's up to the insurance company offering the coverage. However, you can't keep your stateside ACA coverage once you become a VI resident.

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