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Health Insurance

chard
August 27, 2017 10:23PM

Registered: 9 months ago
Posts: 5

Hello all,
I'm new here, and am considering moving to STT. I've searched the files, and found some information, but most seems to be old.

I'm wondering what the situation is now on getting individual health insurance in USVI?

Thanks in advance for any information or guidance to links for information.
Charlene

Re: Health Insurance

vicanuck
August 28, 2017 08:11AM

Registered: 8 years ago
Posts: 2,215

Quote
chard
I'm wondering what the situation is now on getting individual health insurance in USVI?
Charlene

No change. Still not available nor likely to be in the near future. But if you're healthy and not a risk taker, you probably don't need insurance. My family went the first 10 years here without. Big savings.

Re: Health Insurance

zimmerman
August 28, 2017 10:59AM

Registered: 11 months ago
Posts: 4

I would check out Cigna Global - they offer a global insurance plan for expats.

Re: Health Insurance

chard
August 28, 2017 11:07AM

Registered: 9 months ago
Posts: 5

thank you Zimmerman. I would not be an expat since I'm moving from the mainland USA.

Re: Health Insurance

fdr
August 28, 2017 11:47AM

Registered: 10 years ago
Posts: 1,156

Quote
zimmerman
I would check out Cigna Global - they offer a global insurance plan for expats.

When I checked with them a few months ago, they said they are not presently writing new health insurance policies for Virgin Islands residents. I doubt that has changed. They are still renewing policies that were in force previously.

Re: Health Insurance

vicanuck
August 28, 2017 01:13PM

Registered: 8 years ago
Posts: 2,215

Quote
fdr
Quote
zimmerman
I would check out Cigna Global - they offer a global insurance plan for expats.

When I checked with them a few months ago, they said they are not presently writing new health insurance policies for Virgin Islands residents. I doubt that has changed. They are still renewing policies that were in force previously.

This is true, they are not writing new policies in the VI.

I guess they're happy with me since they keep renewing my policy.

Re: Health Insurance

Jumbie
August 28, 2017 02:21PM

Registered: 8 years ago
Posts: 669

Quote
chard
Hello all,
I'm new here, and am considering moving to STT. I've searched the files, and found some information, but most seems to be old.

I'm wondering what the situation is now on getting individual health insurance in USVI?

Thanks in advance for any information or guidance to links for information.
Charlene

No offense to anyone, but the US Virgin Islands offers very few options for Heath Insurance. You cannot obtain individual coverage. You must be part of a group plan.

Re: Health Insurance

islandjoan
August 28, 2017 02:52PM

Registered: 11 years ago
Posts: 1,460

Yes but our Honorable Lt. Governor Osbert Potter, has been traveling far and wide, trying to help by getting insurance companies to write policies in the VI! LOL yep still waiting for an update on the Bahamas trip!

Re: Health Insurance

Scubadoo
August 28, 2017 05:58PM

Registered: 3 years ago
Posts: 1,918

And according to Mapp we have our own universal health care so Charlene is all set. big grin

www.theatlantic.com

[Mapp on Health Care in the VI in the Atlantic/url]

Re: Health Insurance

Spartygrad95
August 28, 2017 09:24PM

Registered: 3 years ago
Posts: 1,884

I am in the process of filing suit against my insurance company for fraud. How dare they charge me for health insurance when we have had Universal Healthcare for a long time in the VI. Mapp obviously thinks the populace are low info types if he thinks he can say that ish and get away with it.

Re: Health Insurance

janeinstx
August 29, 2017 09:55PM

Registered: 6 years ago
Posts: 637

Re: Health Insurance

Alana33
August 30, 2017 01:13AM

Registered: 6 years ago
Posts: 11,711

One of the biggest reasons I moved after living in the VI the majority of my life was to be able to have individual healthcare insurance.

Re: Health Insurance

NorthsideKevin
August 30, 2017 08:27AM

Registered: 9 months ago
Posts: 44

Actually, you would in some of the international insurer's eyes - an "expat" that is.



Edited 1 time(s). Last edit at 08/30/2017 08:32AM by NorthsideKevin.

Re: Health Insurance

NorthsideKevin
August 30, 2017 08:31AM

Registered: 9 months ago
Posts: 44

We contemplated health insurance through Tilloglobe years ago, while paying outrageous amounts, plus "20% because the V.I. hospitals and providers charge too much" to Cigna, then United Healthcare (or vice versa). Then the local insurance maven$$ made certain Tilloglobe couldn't sell in the territory.

Friends had knee replacements and one dealt with severe case of bacterial infection (MRSA) that required surgery. And they both had Tilloglobe and were pleased with it.

You SHOULD be able to get an ex-pat policy that covers you. You ARE an ex-pat according to my understanding.



Edited 1 time(s). Last edit at 08/30/2017 08:33AM by NorthsideKevin.

Re: Health Insurance

ironheadUSVI
August 30, 2017 11:09AM

Registered: 10 months ago
Posts: 182

Quote
NorthsideKevin
You ARE an ex-pat according to my understanding.

You are understanding wrong if you are referring to US citizens moving to the USVI.

Re: Health Insurance

NorthsideKevin
August 30, 2017 05:16PM

Registered: 9 months ago
Posts: 44

Nope. "Ex Pat" policies vary from one country of origin to another. Tilloglobe would sell to "expats," but could (or would) not insure local Virgin Islanders. The companies they used varied, but I recall a couple were Lloyds of London. They didn't care if you were a Statesider, you were an "ex pat" for insurance purposes, and you'd be covered all over the world - even in the U.S. PROVIDED your address and residence was somewhere outside the 50 states.

Re: Health Insurance

vicanuck
September 01, 2017 08:16AM

Registered: 8 years ago
Posts: 2,215

I suppose I'm fortunate...I have a Canadian passport and my wife has dual US/Canadian citizenship. I can be an expat anywhere.

Re: Health Insurance

quirion
September 02, 2017 02:19AM

Registered: 6 years ago
Posts: 428

Quote
vicanuck
I suppose I'm fortunate...I have a Canadian passport and my wife has dual US/Canadian citizenship. I can be an expat anywhere.

But it requires an address in canada yes?

Re: Health Insurance

vicanuck
September 02, 2017 08:14AM

Registered: 8 years ago
Posts: 2,215

Quote
quirion
Quote
vicanuck
I suppose I'm fortunate...I have a Canadian passport and my wife has dual US/Canadian citizenship. I can be an expat anywhere.

But it requires an address in canada yes?

I didn't provide one...just a scan of my passport.

But it easy to have an address just about anywhere these days if one needs one.

Re: Health Insurance

quirion
September 03, 2017 12:05AM

Registered: 6 years ago
Posts: 428

Interesting. Hopefully they reopen for new clients!

Re: Health Insurance

chard
September 04, 2017 10:53AM

Registered: 9 months ago
Posts: 5

I just looked on Tilliglobe's website. All their companies have 2 notes at the bottom of their info blocks. "Not Available in US Protected Territories", and "Non USA addresses required"



Edited 1 time(s). Last edit at 09/04/2017 10:57AM by chard.

Re: Health Insurance

chard
September 04, 2017 10:54AM

Registered: 9 months ago
Posts: 5

I'm not much of a risk taker these days, but I'm 59 years old, and not 25 and strong like bull anymore! lol

Re: Health Insurance

chard
September 04, 2017 10:55AM

Registered: 9 months ago
Posts: 5

Cigna Global is listed on Tilloglobe's website. Same statement...."not available in US Protected Territories", and "non USA addressed required"

Re: Health Insurance

NorthsideKevin
September 05, 2017 09:01AM

Registered: 9 months ago
Posts: 44

Quote
chard
I just looked on Tilliglobe's website. All their companies have 2 notes at the bottom of their info blocks. "Not Available in US Protected Territories", and "Non USA addresses required"

That's because the local Insurance Agencies in the V.I. went after Tilloglobe through the V.I. Government and managed to get "rid" of them several years ago, thereby assuring themselves the now non-existent health insurance business. Money talks, Tilloglobe told them to stuff it.

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