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Health Insurance

 
lulusunshine
(@lulusunshine)
Advanced Member

What is the main insurance company for health insurance out there... if we are just coming for 6 months is it possible to just get travel health insurance (such as nomad insurance) to cover us. Confused as to what the best option would be regarding health insurance.

Thanks!

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Topic starter Posted : October 4, 2012 4:56 pm
Alana33
(@alana33)
Expert

Look for the thread on Health Insurance that is a couple months old.

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Posted : October 4, 2012 5:15 pm
ms411
(@ms411)
Expert

Do you have health insurance now? If not, you can't get insurance unless you're employed or own a business, and even then there's no guarantee.

Major insurers here are CIGNA, United Healthcare, and now Blue Cross Blue Shield of the VI.

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Posted : October 4, 2012 5:21 pm
lulusunshine
(@lulusunshine)
Advanced Member

We have jobs out there and I currently have health insurance but not sure if it transfers to out there... I just need to take the time and do some research!
Thanks!

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Topic starter Posted : October 4, 2012 6:01 pm
Carlstx
(@Carlstx)
Advanced Member

Dear Lulu,
Two websites that offer the coverage you seek are International Medical Group at www.imglobal.com and HTH Worldwide at www.hthworldwide.com.

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Posted : October 4, 2012 7:53 pm
donefarming
(@donefarming)
Advanced Member

Lulu,

Just a thought, if you have insurance already, you may be covered for services down here as "out of network" or reimburseable medical expenses. I have done both, costs more then our stateside in network providers, but in a pinch it's something. UCR isn't as common as in the states in my experience.

Our prescription plan is accepted at several pharm's here as well and we get most medicines through stateside perscription plan providers and are mailed USPS, their requirement for some scripts.

You can call and ask a couple pharm's and Dr's office (general MD and Dentist and the lab for xrays and blood test) and they can usually tell you if they accept and bill your insurance company. And whether they provided receipts and forms for reimbursement through your insurance company.

ER thank goodness haven't needed, but your insurance company can answer how they handle ER visits and coverage/reimbursements. I would tell them you are traveling for a specific period of time, as traveling coverage may be specifically addressed.

Hope this helps!

Enjoy your adventure!

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Posted : October 4, 2012 11:51 pm
ms411
(@ms411)
Expert

Also, some of the doctors here have practices in the States, too, so they may be able to advise you.

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Posted : October 5, 2012 12:54 am
vicanuck
(@vicanuck)
Expert

Health insurance in the Virgin Islands?

Lol....

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Posted : October 5, 2012 12:06 pm
nenn01
(@nenn01)
Advanced Member

I was in STX for 6 months last year and got travelers insurance through Seven Corners. I had a $500 deductible so they never actually paid for anything, but I had it just in case.

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Posted : November 3, 2012 9:12 pm
Iris Tramm
(@Iris_Tramm)
Trusted Member

HAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHA.

Health insurance? HERE?

Wait. You're serious?

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Posted : November 4, 2012 7:41 pm
Linda J
(@Linda_J)
Expert

Many who move here, myself included already have insurance from previous jobs etc. I had it as a part of my retirement pension. If you don't have it in that way and don't find a job that includes health care coverage, you are in a pickle. And even if you do find a job with insurance, there is usually a waiting period. Ric and I also had insurance through our island employer, but it took one year for it to go into effect.

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Posted : November 4, 2012 10:22 pm
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