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Let's talk Health Insurance

 
dylandrewsdad
(@dylandrewsdad)
Advanced Member

So I have read that even "big" companies do not offer coverage like they do stateside in a benefits package. What is the real answer. I would not expect it at a mom and pop bar or restaurant, but what about a hospital or a big company like Home Depot?

Thanks
Mike

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Topic starter Posted : November 20, 2008 8:47 pm
Linda J
(@Linda_J)
Expert

I work at the Buccaneer on STX. After one year of full time employment you receive health insurance with prescription benefits. It covers most things with a co-pay and paperwork. It's free and ONLY for the employee. I think we have one of the best packages on island, apart from Hovensa, of course.

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Posted : November 21, 2008 2:04 am
Trade
(@Trade)
Expert

I've never worked down here for any company that didn't provide health insurance on a cost-share basis.

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Posted : November 21, 2008 10:01 am
Carlstx
(@Carlstx)
Advanced Member

Many VI employers, large and small, do offer group health insurance coverage to their employees. There are two carriers offering coverage for groups with 2 or more employees, CIGNA and United Health Care. Most employers pay a portion of the employees monthly premium, however, the cost for any dependent coverage is usually the employees responsibility. Premiums vary widely depending upon the size of the group, nature of the business, age of the covered staff, choice of deductibles and ancillary benefits.
BUPA/Amedex Insurance offer an individual health plan which can be purchased by an employer and all employees can be listed on one monthly billing statement, however, it is not a true group plan.
Some larger groups such as Home Depot, which you mentioned, do offer employee benefit plans. However, they may keep the employees' hours below the threshold to be considered a full time employee, therefore ineligible for any health benefits. Employees of the local hospitals are VI government employees and covered under their policy with CIGNA.
Asking any potential employer about the details of their benefits package is certainly a valid question.

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Posted : November 21, 2008 10:08 am
dylandrewsdad
(@dylandrewsdad)
Advanced Member

Carlstx, you say nurses of the local hospitals are government employees. Do you anything else about their benefits?

Thanks everyone!

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Topic starter Posted : November 21, 2008 12:17 pm
DixieChick
(@DixieChick)
Trusted Member

Contact Marshall & Sterling for alot of health and life insurance options. They seem to have the best.

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Posted : November 21, 2008 5:02 pm
Carlstx
(@Carlstx)
Advanced Member

Dylandrewsdad - I didn't say anything about nurses. Your original question simply asked "...what about the hospital?" At our local hospitals some nurses are VI government employees and some positions are staffed by nurses from personnel companies specializing in the medical fields, they are referred to as traveling nurses. Those that are VI government employees are covered by the same CIGNA plan which covers all eligible government employees. I have no idea how the traveling nurses are covered.

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Posted : November 21, 2008 5:21 pm
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