Blue Cross Blue Shield PPO  

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maggiesavovska
(@maggiesavovska)
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Joined: 2 years ago
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May 31, 2017 4:48 pm  

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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Gator's Mom
(@Gator's_Mom)
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May 31, 2017 5:38 pm  

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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fdr
 fdr
(@fdr)
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June 1, 2017 11:43 am  

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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speee1dy
(@speee1dy)
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Joined: 11 years ago
Posts: 8667
June 1, 2017 12:30 pm  

please keep in mind we have no individual insurance options here


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LBMcG
(@LBMcG)
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Joined: 3 years ago
Posts: 2
June 3, 2017 12:09 pm  

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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Scubadoo
(@Scubadoo)
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June 3, 2017 4:11 pm  

Employer health care, Medicare, or go without.


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vicanuck
(@vicanuck)
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June 5, 2017 1:41 pm  

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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fdr
 fdr
(@fdr)
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June 6, 2017 9:16 am  

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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vicanuck
(@vicanuck)
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June 6, 2017 11:28 am  

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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STTsailor
(@STTsailor)
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June 6, 2017 4:52 pm  

Stay healthy my friends.
Best policy ever.


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Scubadoo
(@Scubadoo)
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June 7, 2017 12:31 am  

Stay healthy my friends.
Best policy ever.

If that works, go to Vegas.


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fdr
 fdr
(@fdr)
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Joined: 11 years ago
Posts: 1238
June 7, 2017 12:38 am  

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


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vicanuck
(@vicanuck)
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June 7, 2017 12:21 pm  

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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Wilycat
(@Wilycat)
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Joined: 2 years ago
Posts: 3
June 10, 2017 11:13 pm  

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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Fishbait
(@Fishbait)
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Joined: 2 years ago
Posts: 162
June 15, 2017 4:42 pm  

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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vicanuck
(@vicanuck)
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Joined: 9 years ago
Posts: 2304
June 15, 2017 9:15 pm  

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):

http://americas.msh-intl.com/en/


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LBMcG
(@LBMcG)
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Joined: 3 years ago
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June 15, 2017 9:25 pm  

I hear ya Fishbait!!!!


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AandA2VI
(@AandA2VI)
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Joined: 7 years ago
Posts: 2289
June 18, 2017 2:00 am  

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...

*** The views and opinions expressed in my posts are soley those of A&A2VI and other like minded islanders. These views and opinions do not necessarily represent those of the majority or any/all contributors to this site. Have a GREAT DAY!


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speee1dy
(@speee1dy)
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Joined: 11 years ago
Posts: 8667
June 18, 2017 10:47 am  

medicare is offered here.


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Daval
(@Daval)
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Joined: 4 years ago
Posts: 54
June 28, 2017 5:39 pm  

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.


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watruw8ing4
(@watruw8ing4)
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Joined: 12 years ago
Posts: 850
June 28, 2017 10:56 pm  

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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