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Health Insurance

 
chard
(@chard)
Active Member

Hello all,
I'm new here, and am considering moving to STT. I've searched the files, and found some information, but most seems to be old.

I'm wondering what the situation is now on getting individual health insurance in USVI?

Thanks in advance for any information or guidance to links for information.
Charlene

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Topic starter Posted : August 28, 2017 1:23 am
vicanuck
(@vicanuck)
Expert

I'm wondering what the situation is now on getting individual health insurance in USVI?
Charlene

No change. Still not available nor likely to be in the near future. But if you're healthy and not a risk taker, you probably don't need insurance. My family went the first 10 years here without. Big savings.

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Posted : August 28, 2017 11:11 am
zimmerman
(@zimmerman)
New Member

I would check out Cigna Global - they offer a global insurance plan for expats.

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Posted : August 28, 2017 1:59 pm
chard
(@chard)
Active Member

thank you Zimmerman. I would not be an expat since I'm moving from the mainland USA.

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Topic starter Posted : August 28, 2017 2:07 pm
fdr
 fdr
(@fdr)
Trusted Member

I would check out Cigna Global - they offer a global insurance plan for expats.

When I checked with them a few months ago, they said they are not presently writing new health insurance policies for Virgin Islands residents. I doubt that has changed. They are still renewing policies that were in force previously.

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Posted : August 28, 2017 2:47 pm
vicanuck
(@vicanuck)
Expert

I would check out Cigna Global - they offer a global insurance plan for expats.

When I checked with them a few months ago, they said they are not presently writing new health insurance policies for Virgin Islands residents. I doubt that has changed. They are still renewing policies that were in force previously.

This is true, they are not writing new policies in the VI.

I guess they're happy with me since they keep renewing my policy.

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Posted : August 28, 2017 4:13 pm
Jumbie
(@ohiojumbie-2)
Trusted Member

Hello all,
I'm new here, and am considering moving to STT. I've searched the files, and found some information, but most seems to be old.

I'm wondering what the situation is now on getting individual health insurance in USVI?

Thanks in advance for any information or guidance to links for information.
Charlene

No offense to anyone, but the US Virgin Islands offers very few options for Heath Insurance. You cannot obtain individual coverage. You must be part of a group plan.

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Posted : August 28, 2017 5:21 pm
islandjoan
(@islandjoan)
Trusted Member

Yes but our Honorable Lt. Governor Osbert Potter, has been traveling far and wide, trying to help by getting insurance companies to write policies in the VI! LOL yep still waiting for an update on the Bahamas trip!

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Posted : August 28, 2017 5:52 pm
Scubadoo
(@Scubadoo)
Trusted Member

And according to Mapp we have our own universal health care so Charlene is all set. 😀

www.theatlantic.com

[url= https://www.vimovingcenter.com/talk/read.php?4,285215 ][Mapp on Health Care in the VI in the Atlantic/url]

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Posted : August 28, 2017 8:58 pm
Spartygrad95
(@Spartygrad95)
Trusted Member

I am in the process of filing suit against my insurance company for fraud. How dare they charge me for health insurance when we have had Universal Healthcare for a long time in the VI. Mapp obviously thinks the populace are low info types if he thinks he can say that ish and get away with it.

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Posted : August 29, 2017 12:24 am
janeinstx
(@janeinstx)
Trusted Member

The best incentive for staying healthy

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Posted : August 30, 2017 12:55 am
Alana33
(@alana33)
Expert

One of the biggest reasons I moved after living in the VI the majority of my life was to be able to have individual healthcare insurance.

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Posted : August 30, 2017 4:13 am
NorthsideKevin
(@northsidekevin)
Advanced Member

Actually, you would in some of the international insurer's eyes - an "expat" that is.

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Posted : August 30, 2017 11:27 am
NorthsideKevin
(@northsidekevin)
Advanced Member

We contemplated health insurance through Tilloglobe years ago, while paying outrageous amounts, plus "20% because the V.I. hospitals and providers charge too much" to Cigna, then United Healthcare (or vice versa). Then the local insurance maven$$ made certain Tilloglobe couldn't sell in the territory.

Friends had knee replacements and one dealt with severe case of bacterial infection (MRSA) that required surgery. And they both had Tilloglobe and were pleased with it.

You SHOULD be able to get an ex-pat policy that covers you. You ARE an ex-pat according to my understanding.

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Posted : August 30, 2017 11:31 am
ironheadUSVI
(@ironheadUSVI)
Advanced Member

You ARE an ex-pat according to my understanding.

You are understanding wrong if you are referring to US citizens moving to the USVI.

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Posted : August 30, 2017 2:09 pm
NorthsideKevin
(@northsidekevin)
Advanced Member

Nope. "Ex Pat" policies vary from one country of origin to another. Tilloglobe would sell to "expats," but could (or would) not insure local Virgin Islanders. The companies they used varied, but I recall a couple were Lloyds of London. They didn't care if you were a Statesider, you were an "ex pat" for insurance purposes, and you'd be covered all over the world - even in the U.S. PROVIDED your address and residence was somewhere outside the 50 states.

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Posted : August 30, 2017 8:16 pm
vicanuck
(@vicanuck)
Expert

I suppose I'm fortunate...I have a Canadian passport and my wife has dual US/Canadian citizenship. I can be an expat anywhere.

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Posted : September 1, 2017 11:16 am
quirion
(@quirion)
Advanced Member

I suppose I'm fortunate...I have a Canadian passport and my wife has dual US/Canadian citizenship. I can be an expat anywhere.

But it requires an address in canada yes?

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Posted : September 2, 2017 5:19 am
vicanuck
(@vicanuck)
Expert

I suppose I'm fortunate...I have a Canadian passport and my wife has dual US/Canadian citizenship. I can be an expat anywhere.

But it requires an address in canada yes?

I didn't provide one...just a scan of my passport.

But it easy to have an address just about anywhere these days if one needs one.

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Posted : September 2, 2017 11:14 am
quirion
(@quirion)
Advanced Member

Interesting. Hopefully they reopen for new clients!

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Posted : September 3, 2017 3:05 am
chard
(@chard)
Active Member

I just looked on Tilliglobe's website. All their companies have 2 notes at the bottom of their info blocks. "Not Available in US Protected Territories", and "Non USA addresses required"

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Topic starter Posted : September 4, 2017 1:53 pm
chard
(@chard)
Active Member

I'm not much of a risk taker these days, but I'm 59 years old, and not 25 and strong like bull anymore! lol

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Topic starter Posted : September 4, 2017 1:54 pm
chard
(@chard)
Active Member

Cigna Global is listed on Tilloglobe's website. Same statement...."not available in US Protected Territories", and "non USA addressed required"

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Topic starter Posted : September 4, 2017 1:55 pm
NorthsideKevin
(@northsidekevin)
Advanced Member

I just looked on Tilliglobe's website. All their companies have 2 notes at the bottom of their info blocks. "Not Available in US Protected Territories", and "Non USA addresses required"

That's because the local Insurance Agencies in the V.I. went after Tilloglobe through the V.I. Government and managed to get "rid" of them several years ago, thereby assuring themselves the now non-existent health insurance business. Money talks, Tilloglobe told them to stuff it.

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Posted : September 5, 2017 12:01 pm
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