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Individual Insurance in the VI

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DonExodus
(@DonExodus)
Advanced Member

Yes I've used search, and I remember when this was brought up several years ago with IMG, but I read there is a new group offering individual insurance here in the VI. The group is called Caribbean Expatriate Medical Group and they're offering it through HCI Global.

I've asked repeatedly: their company does consider us in the USVI to be expatriates, even though USVI is a US territory.

Does anyone know anything about this?

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Topic starter Posted : November 26, 2014 1:52 am
vicanuck
(@vicanuck)
Expert

I have expat insurance through Cigna Global as do some of my friends. I'm a Canadian and my wife is an American. We're extremely happy with the coverage and its less than half the price of anything comparable I've ever been quoted in the USVI. They offer very flexible plans that you can tailor to your needs so you're not paying for coverage you don't need or want. After going without health insurance for 10 years, I'm relived to be covered.

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Posted : November 26, 2014 10:52 am
OldTart
(@the-oldtart)
Expert

The group is called Caribbean Expatriate Medical Group and they're offering it through HCI Global.

The only relevant "HCI Global" I can find is Healthcare Caterers International ( http://hciglobal.org/) and I would be a little leery about "Caribbean Expatriate Medical Group" which apparently has no website but is only on FB.

If you're not a US citizen, Cigna Global might be your best option.

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Posted : November 26, 2014 11:00 am
Ronnie
(@ronnie)
Trusted Member

It's Health Care International
www.healthcareinternational.com

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Posted : November 26, 2014 12:37 pm
OldTart
(@the-oldtart)
Expert

Ah, I see! It's a company based in the UK. Again, a quick read-through indicates that - like the Cigna Global policy - it's for expats. US citizens seeking coverage in the US wouldn't be eligible. US citizens traveling/living overseas would.

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Posted : November 26, 2014 1:01 pm
Spartygrad95
(@Spartygrad95)
Trusted Member

As an American citizen you are without options. I was told my wife and son could qualify for travelers insurance. Even paid a deposit only to be told (and refunded) we weren't eligible. I am now going to have to add them to insurance at work for a hefty price

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Posted : November 26, 2014 2:24 pm
SkysTheLimit
(@SkysTheLimit)
Trusted Member

We have a group policy for our business. Premiums just doubled because the old policy wasn't "Affordable Care Act Compliant" Oh the irony!!!!!

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Posted : November 26, 2014 2:42 pm
vicanuck
(@vicanuck)
Expert

The Cigna Global policy doesn't have to the ACA compliant so that's likely why its so much cheaper. My policy is tailored to my needs so it doesn't cover maternity costs and a bunch of other stuff that we don't use.

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Posted : November 26, 2014 3:51 pm
DonExodus
(@DonExodus)
Advanced Member

Canuck- do they pay on your claims?

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Topic starter Posted : November 26, 2014 9:47 pm
DonExodus
(@DonExodus)
Advanced Member

If I am a US citizen living in the USVI, I cannot get Cigna Global, correct?

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Topic starter Posted : November 28, 2014 6:07 pm
OldTart
(@the-oldtart)
Expert

Correct.

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Posted : November 28, 2014 7:11 pm
Pdmargie
(@Pdmargie)
Advanced Member

So, if I understand correctly, there is NO option for individual health insurance in the USVI? Can't policies be purchased on the mainland that cover living in the USVI???

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Posted : November 30, 2014 12:07 pm
speee1dy
(@speee1dy)
Expert

about 2 years before obama care there was individual insurance but it was pretty high.

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Posted : November 30, 2014 6:27 pm
ChrisMI
(@ChrisMI)
Advanced Member

Pdmargie - we kept our individually purchased BCBS coverage we had in the states and so far it's been accepted everywhere we've went for medical services since moving to the VI

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Posted : December 1, 2014 12:09 am
STXBob
(@STXBob)
Trusted Member

This just in: http://viconsortium.com/business/blue-cross-blue-shield-proposes-individual-health-insurance-plans-in-the-virgin-islands/

"Blue Cross Blue Shield Proposes Individual Health Insurance Plans In the Virgin Islands"

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Posted : December 1, 2014 10:06 am
speee1dy
(@speee1dy)
Expert

interesting, i had heard rumors that they were going to

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Posted : December 1, 2014 10:50 am
vicanuck
(@vicanuck)
Expert

Canuck- do they pay on your claims?

I've not actually made any claims yet so I can't can't confirm personally. However, a friend of mine who is Canadians and also has Cigna Global recently underwent surgery in Florida for some sort of cancer. They raved about how responsive Cigna Global was and seemed very happy with the coverage.

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Posted : December 1, 2014 11:59 am
Alana33
(@alana33)
Expert

It would be wonderful to have some "affordable health-care. insurance." Even AARP isn't available to us presently.
If you don't have insurance thru working for the government or a business, you just can't get individual policies.
If you're not eligible for Medicare or Medicaid, you're out of luck since the VI did not opt into the affordable health-care system but took the money for Medicare and left everyone else in limbo.

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Posted : December 1, 2014 1:37 pm
vicanuck
(@vicanuck)
Expert

Not that I trust or support the VI Consortium blog but here's a relevant post about Blue Cross Blue Shield making a proposal for individual policies in the territory.

http://viconsortium.com/business/blue-cross-blue-shield-proposes-individual-health-insurance-plans-in-the-virgin-islands/

I got a quote from them a few years ago for our small business to cover my wife, daughter and I but at the time it was ridiculously expensive. The Cigna Global coverage we have now is way less than half what BCBS offered back then.

Whats interesting is BCBS will be offering tiered plans just like Cigna Global, ie: silver, gold and platinum so you can choose what the coverage that best suits you and not feel like you're paying for services you don't use.

Maybe it will be cheaper this time around!

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Posted : December 1, 2014 3:24 pm
jackaroo
(@jackaroo)
Active Member

I recently contacted Blue Cross Blue Shield of USVI http //www.bcbsusvi.com/ they started offering Group policies recently. I requested an individual quote through ELAN Insurance LLC in USVI and was told to check back in December!!! Hope

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Posted : December 1, 2014 4:06 pm
vicanuck
(@vicanuck)
Expert

How odd...I just received this letter from BCBS by email even though I hadn't ever spoken to BCBS directly nor Elan Insurance LLC. Read on...

November 27, 2014

Dear VICanuck (real name changed to protect the innocent),

We would like to apologize for the release of a communication that has created some confusion and we ask you to kindly disregard such.

At BCBS-USVI and ELAN Insurance Solutions, LLC, we are fully committed to USVI producers and local community.

Our local producers are a key component in our value proposition to our clients, given their profound knowledge, client advocacy, tailored advice and excellence in service. Together, we put our clients first and we use innovative thinking to deliver better access and improve quality of care.

As partners, we also rely on our local producers to impact USVI’s business community in a positive way. Our joint community involvement is extremely important to us, and our invested resources and time further strengthen our unwavering commitment and support of local businesses.

We want to emphasize the improved services and health care programs, thanks to the input of our local producers and clients. Also, our full commitment and compliance with ACA regulation, as our plan offerings are compliant and guarantee full protection of essential health benefits.

We value our business relationship with our local producers and the USVI business community. We also want to affirm that our company commitment to serving all constituents in the Islands and we will continue to work hard to find better ways to meet our common challenges in the market.

Thank you for the opportunity to serve you and our mutual clients at BCBS-USVI. We count on your continued support to make significant improvements in the community.

Cordially,

Richard Schiavo Omar Haedo, GBA
Chief Revenue Officer President
BCBS of USVI Elan Insurance Solutions, LLC

I'm not sure why they are contacting me!

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Posted : December 1, 2014 4:11 pm
Alana33
(@alana33)
Expert

So what exactly are they expressing in the letter?
It doesn't really say anything.
Double speak for "we're not doing or offering anything?"

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Posted : December 1, 2014 5:57 pm
vicanuck
(@vicanuck)
Expert

I thought that too Alana33. But it might also say that we will only sell policies through of brokers and agents. Its hard to tell.

I sent them an email asking for clarification of their clarification!!!

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Posted : December 1, 2014 6:16 pm
Spartygrad95
(@Spartygrad95)
Trusted Member

I'm cautiously optimistic about bcbs. As it stands now my premium for myself is manageable. To add my family may require cuts in other budget area or wife getting part time job

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Posted : December 1, 2014 6:16 pm
STXBob
(@STXBob)
Trusted Member

That strange (and lame) letter from BCBS to vicanuck starts with this:

"We would like to apologize for the release of a communication that has created some confusion and we ask you to kindly disregard such."

And it goes on to say how wonder the local producers are.

So apparently you need to see that previous communication (in which local producers were dissed? I dunno) in order for the current letter to make any sense.

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Posted : December 1, 2014 6:51 pm
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