Anyone aware of thi...
 
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Anyone aware of this medical sharing plan?

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daveb722
(@daveb722)
Trusted Member

Just throwing this out there.
From Kim's latest newsletter:

Health Insurance Update!
A few issues ago, I wrote about Cigna Health Care and how they would cover you in the USVI. Well, I am SO sorry, but I was wrong. They DO cover you here, BUT you have to live OUTSIDE the US at least part of the time to get coverage. I am so sorry to have misled you.

However, my friend Amy Rose Herrick, who is a financial planner and consultant here on the island, has come up with an alternative.

She has secured access to help interested individuals and families apply to Altrua HealthShare using their established health care sharing ministry plan. Membership is open now to Virgin Islanders and other geographic areas for singles or families, those under age 65 and those over age 65 that qualify for membership. All applicants must qualify for membership and each application will be reviewed to determine if they qualify for the sharing of heath care needs.

It is important to understand that any medi-share or health care sharing ministry plans are not health insurance. They are an established alternative to allow individuals to share their medical expense needs. These alternatives first came into being back in the early 1980’s and they are a recognized exemption to the Obamacare mandates. Altrua HealthShare discussed here has been in existence since 1999.

If you'd like a brochure and a copy of the Altrua HealthShare plan booklet with all the details of what this alternative has to offer in PDF formats, contact Amy at amy@amyroseherrick.com, or call her at 785-224-8954.

Altrua HealthShare enrollment is open at any time and not limited to any calendar period. If you'd prefer to go directly to Altrua's website, just please be sure to put in Amy's agent number A000190112 to enable her to assist you as needed going forward. http://altruahealthshare.org/become-a-member/

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Topic starter Posted : June 28, 2016 8:56 pm
ms411
(@ms411)
Expert

Would that be Kim Anything for a Commission Commando?

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Posted : June 28, 2016 9:18 pm
OldTart
(@the-oldtart)
Expert

When a poster has consistently led people astray on the Cigna Global issue, hasn't responded to anyone on this forum who has disputed or questioned the coverage and only mentions way later in a (presumably company) newsletter that the information given was incorrect, forgive I or anyone else being sceptical about "new news" on the health insurance coverage front.

" ... please be sure to put in Amy's agent number A000190112 to enable her to assist you as needed going forward." Amy's "agent number" will no doubt afford her a nice finder's fee along with a nice commission when she persuades people to sign up.

Read the fine print.

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Posted : June 28, 2016 9:51 pm
daveb722
(@daveb722)
Trusted Member

I agree, just never heard of such a thing.

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Topic starter Posted : June 28, 2016 10:38 pm
OldTart
(@the-oldtart)
Expert

I agree, just never heard of such a thing.

I'd vaguely heard about so did a little research after reading the blurb on the link provided. Didn't delve too far before smelling a distinctly fishy odor. Of course I don't know an awful lot of people who'd qualify anyway as the criteria is pretty tough,

""Who Is Eligible?
Anyone who meets the Statement of Standards
Caring for one another.
Keeping the body clean and healthy with proper nutrition.
The use of any form of tobacco, illicit drugs and excessive alcohol consumption is harmful to the body and soul.
According to the Word of God, sexual relations outside the bond of marriage is morally wrong. Marriage is a bond between a man and woman only.
Abortion is wrong, except in a life threatening situation to the mother.
Physical, mental or emotional abuse of any kind to a family member or anyone else is morally wrong.
"

Apparently (from other research) no Mormons and I'm sure no Muslims either. Good grief. 😀

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Posted : June 28, 2016 11:22 pm
rotorhead
(@rotorhead)
Trusted Member

They call themselves a HealthCare Sharing Ministry.

In case of an emergency they call in Benny Hinn.

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Posted : June 29, 2016 12:00 am
OldTart
(@the-oldtart)
Expert

Just throwing this out there.
From Kim's latest newsletter:

Health Insurance Update!
A few issues ago, I wrote about Cigna Health Care and how they would cover you in the USVI. Well, I am SO sorry, but I was wrong. They DO cover you here, BUT you have to live OUTSIDE the US at least part of the time to get coverage. I am so sorry to have misled you.

Apart from the fact that even this information is incorrect, I'm still wondering how Ms Lucas and her daughter are covered under Cigna Global - something she never would divulge on the previous long thread where she insisted she had it and anybody could get it. She's a US citizen born and raised, and is by her own admission a fulltime bona fide resident of the USVI. Maybe the epiphany came when she had a large claim which was audited and denied ...

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Posted : June 29, 2016 1:02 am
janeinstx
(@janeinstx)
Trusted Member

She has a home in Portugal(?) I think. Spends quite a bit of time there it seems. Maybe that's it

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Posted : June 29, 2016 1:42 am
speee1dy
(@speee1dy)
Expert

finally admits, after months of people asking, that it is not for those who reside here full time and is now on to a new scam.

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Posted : June 29, 2016 11:01 am
janeinstx
(@janeinstx)
Trusted Member

I don't know that it's a scam. I've dealt with Kim and had no issues.

finally admits, after months of people asking, that it is not for those who reside here full time and is now on to a new scam.

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Posted : June 29, 2016 11:18 am
OldTart
(@the-oldtart)
Expert

It's a shame as I know a lot of the STX forumites recommend her as a RE agent. She probably is but this just doesn't place her in a good light. This sort of misinformation and disingenuousness is unacceptable period as it confuses people - and following it up with a rather (to me anyway) distasteful "alternative" just doesn't sit well. Oh well. But thanks for the alert, daveb722. On to another beautiful day!

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Posted : June 29, 2016 11:22 am
IslandHops
(@IslandHops)
Trusted Member

There are many of these faith based plans available in the mainland. They are not health insurance. Most are limited to certain geographical areas or networks of physicians and facilities. All require agreement with a set of standards - including, usually, belief in a specific deity of worship.

They are a good working concept for a community sharing the burden of health care costs, and an alternative to health insurance products.

Our problem here is mutli-fold and our health care costs are significantly higher than other regions. To my understanding there is only one provider network and no real competition. This is one of the factors why insurance companies really don't want to do business here, and why there are no insurance providers for individual coverage.

There are solutions to this problem that would also lead to improvement in the quality of care in the territory - however the one I have in mind would require bold government leadership and oversight. If anyone is interested PM me with an e-mail address and I'll be happy to send you an overview outlining one possible solution.

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Posted : June 29, 2016 11:36 am
vicanuck
(@vicanuck)
Expert

Just to clarify...to qualify for Cigna Global coverage one CAN live full time in the USVI. However, one must have bonafide citizenship in another country besides the US. For example, I'm a permanent resident alien with Canadian citizenship and my spouse has dual Canadian and US citizenship. We have lived in the VI full time for 14 years.

Cigna Global offers excellent worldwide cover but there are definitely terms and conditions and its not for everyone.

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Posted : June 29, 2016 11:46 am
Oldie1
(@Oldie1)
Advanced Member

There seems to be a new scam hitting the VI every few years, this is the latest one I guess.

Maybe that's why Kim is living part time and has a residence in Portugal; so she can rake in her ill gotten gain and not fall under VI Banking and Insurance laws.

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Posted : June 29, 2016 12:31 pm
quirion
(@quirion)
Advanced Member

There seems to be a new scam hitting the VI every few years, this is the latest one I guess.

Maybe that's why Kim is living part time and has a residence in Portugal; so she can rake in her ill gotten gain and not fall under VI Banking and Insurance laws.

Wow that escalated quickly.

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Posted : June 29, 2016 12:59 pm
STTsailor
(@STTsailor)
Trusted Member

Well, she did contribute to confusion.
While some people maybe grandfathered under Cigna Global I know for sure that regardless of citizenship Cigna will not write a new policy for USVI residents. I myself have a dual US/EU passports and the rejected my application in 2015 as the will not cover me for USVI.

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Posted : June 29, 2016 1:41 pm
Alana33
(@alana33)
Expert

There seems to be a new scam hitting the VI every few years, this is the latest one I guess.

Maybe that's why Kim is living part time and has a residence in Portugal; so she can rake in her ill gotten gain and not fall under VI Banking and Insurance laws.

Quite uncalled for to sully someone's reputation with whom you have no first hand experience. Your comment is conjecture, boarding on defamation.
To be clear, I don't know Kim Lucas, personally but have only heard positive things about her.

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Posted : June 29, 2016 1:52 pm
vicanuck
(@vicanuck)
Expert

Well, she did contribute to confusion.
While some people maybe grandfathered under Cigna Global I know for sure that regardless of citizenship Cigna will not write a new policy for USVI residents. I myself have a dual US/EU passports and the rejected my application in 2015 as the will not cover me for USVI.

They recently sent me a renewal offer effective July 31st which I was delighted to accept.

The renewal offer was clearly addressed to me in the US Virgin Islands, identifies my Nationality as Canadian and place of residence as US Virgin islands.

They must like me!

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Posted : June 29, 2016 4:03 pm
CruzanIron
(@cruzaniron)
Expert

There seems to be a new scam hitting the VI every few years, this is the latest one I guess.

Maybe that's why Kim is living part time and has a residence in Portugal; so she can rake in her ill gotten gain and not fall under VI Banking and Insurance laws.

Quite uncalled for to sully someone's reputation with whom you have no first hand experience. Your comment is conjecture, boarding on defamation.
To be clear, I don't know Kim Lucas, personally but have only heard positive things about her.

Can you say "For Thousand's" ?

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Posted : June 29, 2016 4:13 pm
Oldie1
(@Oldie1)
Advanced Member

[
Quite uncalled for to sully someone's reputation with whom you have no first hand experience. Your comment is conjecture, boarding on defamation.
To be clear, I don't know Kim Lucas, personally but have only heard positive things about her.

Alana
I do know Kim personally and have for years.

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Posted : June 29, 2016 5:20 pm
Alana33
(@alana33)
Expert

Then maybe you should address your concerns and comments directly to her instead of on a forum that she does not participate in if you feel the need to post disparaging remarks where they cannot be addressed by her.

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Posted : June 29, 2016 6:41 pm
OldTart
(@the-oldtart)
Expert

Then maybe you should address your concerns and comments directly to her instead of on a forum that she does not participate in if you feel the need to post disparaging remarks where they cannot be addressed by her.

To clarify, Ms Lucas is registered on this forum and has contributed to it in a previous thread on Cigna Global, as well as on several other threads on VINow forums.

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Posted : June 29, 2016 6:57 pm
Alana33
(@alana33)
Expert

I hadn't seen any.

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Posted : June 29, 2016 7:00 pm
OldTart
(@the-oldtart)
Expert

I hadn't seen any.

Registered under name Kim Lucas.

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Posted : June 29, 2016 7:12 pm
watruw8ing4
(@watruw8ing4)
Trusted Member

Well, she did contribute to confusion.
While some people maybe grandfathered under Cigna Global I know for sure that regardless of citizenship Cigna will not write a new policy for USVI residents. I myself have a dual US/EU passports and the rejected my application in 2015 as the will not cover me for USVI.

They recently sent me a renewal offer effective July 31st which I was delighted to accept.

The renewal offer was clearly addressed to me in the US Virgin Islands, identifies my Nationality as Canadian and place of residence as US Virgin islands.

They must like me!

Key words, I think, were "will not write a new policy".

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Posted : June 29, 2016 7:15 pm
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