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Cigna Global

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OldTart
(@the-oldtart)
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.

I think that's the best advice for anyone interested. US and US territory residents may be eligible but the question is if US citizens are.

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Posted : May 1, 2014 8:10 pm
speee1dy
(@speee1dy)
Expert

that is a great question

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Posted : May 1, 2014 8:14 pm
tmw7771
(@tmw7771)
Advanced Member

spee1dy, I do have work provided coverage but might have to switch to part time eventually and that coverage would no longer be available. Because of that, I want to evaluate my options.

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Topic starter Posted : May 2, 2014 12:53 pm
tmw7771
(@tmw7771)
Advanced Member

I just spoke to a friend who has Cigna Global and lives in St. Croix. She provided an address outside of the US but all mail is sent to her here. So far she is pleased with the company and has filed claims with them. They do in fact cover here. I also called a few providers and they assured me that the coverage is accepted.

I think I am going to give it a shot.

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Topic starter Posted : May 2, 2014 1:04 pm
speee1dy
(@speee1dy)
Expert

that sounds like a good deal, let us know how it works out

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Posted : May 2, 2014 2:05 pm
Linda J
(@Linda_J)
Expert

Wonder what would happen if one had a catastrophic event that cost lots of $$$. Would Cigna investigate and determine that a fraudulent address was used to obtain the insurance - and then deny the claim?? Just sayin.

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Posted : May 2, 2014 2:21 pm
JulieKay
(@JulieKay)
Trusted Member

Wonder what would happen if one had a catastrophic event that cost lots of $$$. Would Cigna investigate and determine that a fraudulent address was used to obtain the insurance - and then deny the claim?? Just sayin.

This happens. They could also "claw back" any previous benefits that they paid.

However reading this thread I am totally confused if this coverage is 100% on the up and up or if it is a matter of gaming a plan in some way with a fraudulent address. I am also interested in hearing how it turns out.

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Posted : May 2, 2014 3:23 pm
vicanuck
(@vicanuck)
Expert

I have spoken to my Cigna rep extensively. They have many clients in the USVI and are not new here. You need not provide any fraudulent information. I'm pretty certain I'll be giving them a try very shortly as the coverage is very affordable. I've not had health insurance for 10 years.

Cigna is a huge corporation that operates in dozens of countries and are not in business to advise potential clients to do fraudulent things.

If anyone has concerns, just call them and ask them for clarification like I did.

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Posted : May 2, 2014 8:33 pm
Linda J
(@Linda_J)
Expert

But you are Canadian, correct? Therefore, if you live in usvi, you are an expat.

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Posted : May 2, 2014 9:20 pm
East Ender
(@east-ender)
Expert

I am with Linda J. IF you are a resident of the territory, you do not have an address elsewhere. If you are truly an "expat"- here visiting, but a resident elsewhere, maybe it would work. Insurance company representatives are happy to sign you up and accept your money. But when it comes down to paying out, someone else is looking at your policy.

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Posted : May 2, 2014 9:56 pm
vicanuck
(@vicanuck)
Expert

True that I am a Canadian. But I am not visiting the USVI. I live here full time and do not maintain a Canadian residence. We do own other property on the US mainland however.

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Posted : May 3, 2014 12:02 pm
Mixie
(@Mixie)
Advanced Member

Could anyone on the board with CIGNA membership confirm that they went to a doctor/hospital, produce their CIGNA paperwork and received treatment? Or that they paid for it and got reimbursed promptly by CIGNA?

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Posted : May 3, 2014 12:18 pm
Linda J
(@Linda_J)
Expert

I understand. My understanding is that this insurance is for exactly that situation. If I, as a US citizen, lived in Mexico, I would be eligible for this insurance. But I could be wrong - it happens often!

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Posted : May 3, 2014 1:08 pm
Carlstx
(@Carlstx)
Advanced Member

I had an opportunity to read an actual Cigna Global policy this morning held by a business acquaintance.

The first paragraph of the first page reads as follows:

This policy is meant for expatriates. It does not provide any cover for the cost of treatment in a country of which a beneficiary is a national at the time of treatment (for example, the cover does not cover the costs of a German national obtaining any treatment in Germany) except in limited circumstances. See section 14.1
Section 14.1 addresses limited emergency treatment of a beneficiary while in the country which they are a national.

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Posted : May 6, 2014 6:45 pm
vicanuck
(@vicanuck)
Expert

I suppose then one could make the argument that the USVI, as an unincorporated territory really isn't part of the US per se, so the cover would then apply to US citizens living here. I'm sure its one of those gray areas. But as a Canadian, I guess I'm good to go and the monthly cost of about $350 for my wife (dual citizenship) and I is way more affordable than anything I've ever been offered locally.

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Posted : May 7, 2014 12:00 pm
speee1dy
(@speee1dy)
Expert

that is affordable, but what are the copays and deductibles?

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Posted : May 7, 2014 12:10 pm
sunshinefun
(@sunshinefun)
Trusted Member

I wonder how Cigna can offer such attract rates to expats in the VI why other insurers are charging more than double and even triple for the same coverage. Probably because they sell directly to the consumer. Sounds like the other insurers are price gouging and paying excessive commissions to brokers like Carlstx to me.

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Posted : May 7, 2014 12:10 pm
STXBob
(@STXBob)
Trusted Member

I wonder how Cigna can offer such attract rates to expats in the VI why other insurers are charging more than double and even triple for the same coverage. Probably because they sell directly to the consumer.

More likely because they can refuse pre-existing conditions, pick only the healthy customers, and deny claims, since they don't have to comply with Obamacare rules. They're not selling directly to customers. They're a middle-man, like all insurance companies.

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Posted : May 7, 2014 8:00 pm
caribstx
(@caribstx)
Trusted Member

I would like to believe tha STXBob, but the last time I was quoted locally was well before Obamacare and BUPA, BCBS, United and others were still well over $1000 a month so I call BS.

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Posted : May 8, 2014 5:45 pm
Spartygrad95
(@Spartygrad95)
Trusted Member

I too may be moving to STT in July and the company only offers individual health care and to add my wife and baby would be over $1000/month. I talked to a woman in Scotland after filling out the online quote and she told me to just give family member address of our family in Canada. We are US citizens living in US. Seems fishy but I would be willing to try since premium would be less than $400/mo for dental vision and med evacuation included. Really would like to hear some stories of success.

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Posted : June 11, 2014 11:14 pm
vicanuck
(@vicanuck)
Expert

I've also spoken to the nice people in Scotland. As a Canadian living in the VI, I fit this program nicely. I haven't formally applied yet but plan to in the near future. It is very cost effective versus anything I've been quoted in all the years I've lived here as mentioned above.

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Posted : June 12, 2014 12:21 pm
cruzan1
(@cruzan1)
Active Member

I just went through the quoting process, this program seems to good to be true. My quote was $400.00 per month LESS than my current policy here in the States. I'm going to give it a shot. Rep seemed very certain that US citizens do in fact qualify for coverage as the VI's are considered an outlying territory and not part of the 50 states. Same story for Guam and American Samoa.

They also offer a rider for coverage while traveling in the US, seems like a good way to hedge the bet.

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Posted : June 17, 2014 11:18 am
speee1dy
(@speee1dy)
Expert

let us know when you have your insurance card

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Posted : June 18, 2014 7:11 pm
OldTart
(@the-oldtart)
Expert

let us know when you have your insurance card

Better yet, report back when you've made a claim.

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Posted : June 18, 2014 9:33 pm
speee1dy
(@speee1dy)
Expert

true that

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Posted : June 19, 2014 12:40 am
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