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Blue Cross Blue Shield PPO  

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maggiesavovska
(@maggiesavovska)
New Member

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!

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Posted : May 31, 2017 4:48 pm
Gator's Mom
(@Gator's_Mom)
Prominent Member

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.

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Posted : May 31, 2017 5:38 pm
fdr
 fdr
(@fdr)
Noble Member

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.

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Posted : June 1, 2017 11:43 am
speee1dy
(@speee1dy)
Islander

please keep in mind we have no individual insurance options here

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Posted : June 1, 2017 12:30 pm
LBMcG
(@LBMcG)
New Member

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

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Posted : June 3, 2017 12:09 pm
Scubadoo
(@Scubadoo)
Noble Member

Employer health care, Medicare, or go without.

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Posted : June 3, 2017 4:11 pm
vicanuck
(@vicanuck)
Noble Member

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

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.

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Posted : June 5, 2017 1:41 pm
fdr
 fdr
(@fdr)
Noble Member

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

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.

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Posted : June 6, 2017 9:16 am
vicanuck
(@vicanuck)
Noble Member

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.

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Posted : June 6, 2017 11:28 am
STTsailor
(@STTsailor)
Island Expert

Stay healthy my friends.
Best policy ever.

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Posted : June 6, 2017 4:52 pm
Scubadoo
(@Scubadoo)
Noble Member

Stay healthy my friends.
Best policy ever.

If that works, go to Vegas.

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Posted : June 7, 2017 12:31 am
fdr
 fdr
(@fdr)
Noble Member

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

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Posted : June 7, 2017 12:38 am
vicanuck
(@vicanuck)
Noble Member

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.

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Posted : June 7, 2017 12:21 pm
Wilycat
(@Wilycat)
New Member

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

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Posted : June 10, 2017 11:13 pm
Fishbait
(@Fishbait)
Estimable Member

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)

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Posted : June 15, 2017 4:42 pm
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