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tmw7771
(@tmw7771)
Advanced Member

Cigna Global now offers coverage to the US Virgin Islands. However, they require an address outside of the US for contracting their license agreement. This part makes me skeptical of the insurance. Has anyone used or had any experience with Cigna Global?

Thanks for any information!

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Topic starter Posted : April 30, 2014 12:20 pm
STXBob
(@STXBob)
Trusted Member

Cigna Global now offers coverage to the US Virgin Islands.

Coverage for what? Individual health insurance would be welcome news.

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Posted : April 30, 2014 6:13 pm
speee1dy
(@speee1dy)
Expert

most people would have access to a stateside address so that would not be a problem. interesting

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Posted : April 30, 2014 6:29 pm
CruzanIron
(@cruzaniron)
Expert

On the Cigna Int'l Health insurance page, neither the USVI nor the individual islands are listed a covered areas.

PR is though.

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Posted : April 30, 2014 6:31 pm
CruzanIron
(@cruzaniron)
Expert

They offer Expatriate health insurance. That may be what tmw7771 was looking at. I would expect them to require a US address in this case.

CIGNA GLOBAL

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Posted : April 30, 2014 6:36 pm
OldTart
(@the-oldtart)
Expert

I only skimmed the website but they do offer coverage in the USVI.

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Posted : April 30, 2014 8:00 pm
East Ender
(@east-ender)
Expert

The problem is that if you are a resident of the VI, you are not an expatriate. I'll bet the fine print says that they will not pay if they find you fraudulently acquired coverage- like giving a fake address.

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Posted : April 30, 2014 9:33 pm
Mixie
(@Mixie)
Advanced Member

My understanding is that it is "expat" insurance with coverage worldwide -- except the 50 states. So USVI is included in their coverage. You are not covered if something happens while in the states (there is an option, but very expensive for that). Because they are not licensed to operate in every country, my understanding is that they require an address out of the US, including its territories. So if you still have a great-uncle in Ireland or a cousin in South Africa, there is a wink-wink address -- Cigna unofficially admitted they will never check.

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Posted : May 1, 2014 2:06 am
Linda J
(@Linda_J)
Expert

Falsifying legal documents is a risky business. And I don't think the usvi will be considered "foreign".

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Posted : May 1, 2014 3:19 am
DonExodus
(@DonExodus)
Advanced Member

I only skimmed the website but they do offer coverage in the USVI.

My understanding is that this is not the case, and expat insurance would NOT be acceptable in the USVI,- or else Marshall Sterling etc would be "the only company offering USVI individual health plans!". I couldn't find this clause- can you link us?

Thanks!

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Posted : May 1, 2014 4:38 am
OldTart
(@the-oldtart)
Expert

I only skimmed the website but they do offer coverage in the USVI.

My understanding is that this is not the case, and expat insurance would NOT be acceptable in the USVI,- or else Marshall Sterling etc would be "the only company offering USVI individual health plans!". I couldn't find this clause- can you link us?

Thanks!

https://my.cigna.com/teamsite/health/provider/medical/refguides/usvi_821158g.pdf

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Posted : May 1, 2014 11:17 am
vicanuck
(@vicanuck)
Expert

I went through the quote process yesterday. The email I got later confirmed that I live in the US Virgin Islands and was a Canadian citizen. The area of coverage was stated as Worldwide Excluding USA. The rates were very affordable at $395 a month for both my wife (a US citizen) and I. There was a deductible of $375 with $0 cost share and $0 out of pocket maximum. Other than asking where I lived, it never asked for any sort of address but maybe that gets input later.

I downloaded the 20 page pdf with the details but have not read it thoroughly yet. There was an international number and an 800 number to call in the US to proceed with the quote. It seemed like a very attract price compared to the $1400 - $1600 per month I've been quoted in the past from local insurance providers when it was still possible to obtain individual coverage a few years ago.

I'm a bit skeptical, but as an uninsured person, it seems compelling.

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Posted : May 1, 2014 12:21 pm
Carlstx
(@Carlstx)
Advanced Member

I called the Cigna Global office in Scotland with the telephone number listed on their website, http://www.cignaglobal.com, (877) 539-6295

I spoke with their representative, Scott, and he stated that they could not offer individual health insurance to a U.S. citizen living in a U.S. Territory because Cigna Global is "Not classified to contract insurance in the United States."

However, Scott continued that if I provided a "Contracting address" or as he described, an address outside of the United States say from a relative or business, then Cigna Global could write the coverage.

Scott stressed that Cigna Global would never contact this address and it was only being used to enroll the client.

If that is something you are comfortable with, then by all means enroll.

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Posted : May 1, 2014 12:36 pm
CruzanIron
(@cruzaniron)
Expert

Wink, wink, nudge, nudge, say no more, say no more

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Posted : May 1, 2014 12:54 pm
OldTart
(@the-oldtart)
Expert

The email I got later confirmed that I live in the US Virgin Islands and was a Canadian citizen.

And there's the dividing line!

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Posted : May 1, 2014 2:10 pm
vicanuck
(@vicanuck)
Expert

It all sounds good, but my question then would be who in the USVI accepts this insurance?

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Posted : May 1, 2014 2:26 pm
OldTart
(@the-oldtart)
Expert

It all sounds good, but my question then would be who in the USVI accepts this insurance?

Maybe they can provide a list of physicians in the USVI who accept it?

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Posted : May 1, 2014 3:05 pm
speee1dy
(@speee1dy)
Expert

if it works, go for it. thats cheaper than i pay for work provided coverage

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Posted : May 1, 2014 4:13 pm
tmw7771
(@tmw7771)
Advanced Member

Supposedly all Cigna providers are covered under the plan in the VI and stateside coverage is available for 90 days (using an honor code). I was hoping to find someone on this board who used Cigna Global and could offer some insight. It all seems a bit sketchy...

A few weeks ago I heard that this coverage now included the VI on 98.3 FM and called a few times to discuss the options. At this point I am still not convinced but since there are close to no coverage options here I figured it was worth discussing.

Theresa

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Topic starter Posted : May 1, 2014 4:47 pm
vicanuck
(@vicanuck)
Expert

The nice lady from Cigna Global in Scotland called me to follow up on my application. She advised that they are legitimate and coverage is offered to Canadian and US residents of the USVI. In addition to being covered in the USVI, you are covered while on the US mainland as well. She emailed me the pdf booklet with all the details and I am reviewing this now. This does seem legitimate and I sent her a link to this thread so maybe she'll chime in.

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Posted : May 1, 2014 5:38 pm
speee1dy
(@speee1dy)
Expert

Theresa, you dont get work provided coverage? not that that is cheap.

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Posted : May 1, 2014 6:22 pm
OldTart
(@the-oldtart)
Expert

The nice lady from Cigna Global in Scotland called me to follow up on my application. She advised that they are legitimate and coverage is offered to Canadian and US residents of the USVI. In addition to being covered in the USVI, you are covered while on the US mainland as well. She emailed me the pdf booklet with all the details and I am reviewing this now. This does seem legitimate and I sent her a link to this thread so maybe she'll chime in.

To clarify - is it available to US citizens who are residents of the USVI?

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Posted : May 1, 2014 6:42 pm
vicanuck
(@vicanuck)
Expert

That was my understanding when I spoke to her.

If you go the their website and do the preliminary application, they will definitely follow up with a phone call and answer any questions.

It was all very professional.

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Posted : May 1, 2014 6:47 pm
vicanuck
(@vicanuck)
Expert

Having just finished reading the 20 page details brochure, I'm even more interested in this.

I'm going to call my dentist to see if they accept this insurance.

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Posted : May 1, 2014 7:06 pm
vicanuck
(@vicanuck)
Expert

The rep has also sent me a comprehensive list of healthcare providers on St. Croix that accept Cigna...17 pages but a few duplicates and a few that have left island. JFL Hosp is among them.

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Posted : May 1, 2014 7:19 pm
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