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A synopsis of the current health care insurance coverage dilemma  

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quirion
(@quirion)
Advanced Member
Joined: 9 years ago
Posts: 427
September 1, 2016 3:06 am  

(tu). Me too

Since BCBS pulled out of VI, we are.getting United Healthcare. My premiums have dropped, they offer less total out of pocket max, I can use this insurance anywhere in the United States, and they will do 90 prescriptions by mail. The current synopsis for me is Woo Hoo

How exactly? Via what company and what plan? Is this a 2 person plan or multiple and through a job or?????


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janeinstx
(@janeinstx)
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Joined: 8 years ago
Posts: 666
September 1, 2016 8:43 am  

Mine is thru my employer. There are approx 150 employees and I'm going to take a rough guess and say prob 100 take advantage of the insurance benefit. My current employer pays about a 1/3 and I pay the rest thru weekly payroll deduction. It's a better plan than the BC/BS VI plan I had with a previous employer but that was 100% employer paid. During open enrollment the agent happened to mention that her plan covered just the 2 people in her office. Her and the other woman who works with her.


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quirion
(@quirion)
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September 1, 2016 10:13 am  

Mine is thru my employer. There are approx 150 employees and I'm going to take a rough guess and say prob 100 take advantage of the insurance benefit. My current employer pays about a 1/3 and I pay the rest thru weekly payroll deduction. It's a better plan than the BC/BS VI plan I had with a previous employer but that was 100% employer paid. During open enrollment the agent happened to mention that her plan covered just the 2 people in her office. Her and the other woman who works with her.

The agent from united healthcare said that? Really trying to find out if 2 person business coverage exists outside of BC/BS since after next august BC/BS wont. We renewed with BC/BS right before they stopped issuing new policies and are trying to find a new option for our business.


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STTsailor
(@STTsailor)
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September 1, 2016 10:33 am  

A Cure for Swelling Drug Prices: Competition - The Wall Street Journal https://apple.news/AJv_wNPcUT1W7OtEt6rrRLg


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speee1dy
(@speee1dy)
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Joined: 12 years ago
Posts: 8775
September 1, 2016 11:16 am  

i love the BCBS option of going to Puerto Rico for health care. I am hoping once our renewal time comes around our next provider will still have that as an option.

the cost for health care with our insurance is practically non existent over there. even taking into consideration the cost of flight/food/hotel-still cheaper than the deductible here.


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Spartygrad95
(@Spartygrad95)
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September 1, 2016 11:24 am  

United offers that. They do not reimburse you for flight like BCBS did


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Cestlavie
(@Cestlavie)
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Joined: 4 years ago
Posts: 1
September 3, 2016 11:19 am  

ELAN will write 2 person groups, including husband and wife sole proprietors who work full time on the business. sales@elan.agency


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LuckyGirl56
(@LuckyGirl56)
Advanced Member
Joined: 12 years ago
Posts: 330
September 3, 2016 4:12 pm  

I just received my United Health Care renewal and my current plan is not being offered so I have to take the next available UHC option in which the monthly premium is 41.1% higher. Shockingly expensive!!!


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STTsailor
(@STTsailor)
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September 3, 2016 4:56 pm  

I just received my United Health Care renewal and my current plan is not being offered so I have to take the next available UHC option in which the monthly premium is 41.1% higher. Shockingly expensive!!!

It starts now. Health insurance will become prohibitively expensive for people who do not qualify for the gov subsidy. Obamacare will morph into single payer plan. Medicaid for all.


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sunshinefun
(@sunshinefun)
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September 3, 2016 5:17 pm  

That was the plan all along.


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vicanuck
(@vicanuck)
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September 3, 2016 8:04 pm  

I'll stick with Cigna Global for expats, thank you.


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OldTart
(@the-oldtart)
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Joined: 9 years ago
Posts: 6523
September 3, 2016 8:57 pm  

I'll stick with Cigna Global for expats, thank you.

You have that option which US citizens do not. The problem with bringing it up on every thread related to health insurance is that so many people don't understand what an "expat" is and think that even though they're a US citizen, they become an expat by moving here. Only non-US citizens can apply for and receive health insurance coverage through Cigna Global for themselves and their families.


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quirion
(@quirion)
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Joined: 9 years ago
Posts: 427
September 3, 2016 8:58 pm  

Don't you also need an address in that other country?


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STTsailor
(@STTsailor)
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Posts: 597
September 3, 2016 9:44 pm  

I have both address and citizenship but was turned down by Cigna Global because I reside in USVI. They do not issue new policies for USVI. Canuck must be grandfathered.


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CruzanIron
(@cruzaniron)
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Joined: 7 years ago
Posts: 2469
September 4, 2016 12:08 am  

I just received my United Health Care renewal and my current plan is not being offered so I have to take the next available UHC option in which the monthly premium is 41.1% higher. Shockingly expensive!!!

If you like your plan you can keep it ...

Where did I hear that?


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Spartygrad95
(@Spartygrad95)
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Joined: 6 years ago
Posts: 1885
September 4, 2016 12:17 am  

I just received my United Health Care renewal and my current plan is not being offered so I have to take the next available UHC option in which the monthly premium is 41.1% higher. Shockingly expensive!!!

If you like your plan you can keep it ...

Where did I hear that?

Not in ACA here. I'm saving $14/month on mine by going from BCBS to UHC. I'm spending it all on GMOs


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quirion
(@quirion)
Advanced Member
Joined: 9 years ago
Posts: 427
September 4, 2016 12:28 am  

I have both address and citizenship but was turned down by Cigna Global because I reside in USVI. They do not issue new policies for USVI. Canuck must be grandfathered.

I recently obtained dual citizenship(my fathers is canadian). Was wondering if there was an option for me.


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OldTart
(@the-oldtart)
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Joined: 9 years ago
Posts: 6523
September 4, 2016 9:45 am  

I have both address and citizenship but was turned down by Cigna Global because I reside in USVI. They do not issue new policies for USVI. Canuck must be grandfathered.

I recently obtained dual citizenship(my fathers is canadian). Was wondering if there was an option for me.

If it is indeed true that Cigna Global is no longer issuing new policies in the USVI then it's a moot point.


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East Ender
(@east-ender)
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Cat
 Cat
(@Cat)
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Posts: 64
September 10, 2016 8:59 pm  

If anyone can stop Vicanuck from smirking about his one-off insurance and derailing the discussion, it would be just great.


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speee1dy
(@speee1dy)
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Joined: 12 years ago
Posts: 8775
September 10, 2016 10:08 pm  

thank you sparty-i just saw your reply


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Alana33
(@Alana33)
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Joined: 8 years ago
Posts: 12275
September 10, 2016 10:13 pm  

Here's a possible health insurance option.

I was speaking with a friend and she said she's covered thru
US Sailing Assn. You have to join - a nominal fee - claim that
you do recreational sailing and viola you have insurance.
$750 a month tho which is pretty steep.

She did say tho that the bummer about this insurance, and perhaps with any insurance, is they won't deal with a pre-existing condition for the first six months.


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OldTart
(@the-oldtart)
Expert
Joined: 9 years ago
Posts: 6523
September 10, 2016 10:18 pm  

... viola you have insurance.
$750 a month tho which is pretty steep.

Terribly expensive for health insurance coverage but cheap for a decent viola.


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Spartygrad95
(@Spartygrad95)
Trusted Member
Joined: 6 years ago
Posts: 1885
September 10, 2016 10:20 pm  

"Claim you do recreational sailing" or as the law calls it fraud. Voila


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Exit Zero
(@exit-zero)
Trusted Member Registered
Joined: 12 years ago
Posts: 2367
September 10, 2016 10:57 pm  

What if you do professional sailing? -- really aren't you just joining a group and the larger the number of members the better risk for the insurer. But $9 K a year is very steep premiums.


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