hello all. i've been doing research on the islands for the past few weeks and have just now joined the discussion board.
first off, i want to say to the Residents there, from reading your comments on the board, you guys have a great sense of humor. i laughed out loud at half the replies you gave people. i guess that comes from island-living. but you also gave helpful advice and i know that is appreciated.
my name is Trey and i'm 22. God willing, i will relocate there in Sept. 08. for now i am saving up. i have the same questions as most about employment and residency, of course, but i have found a ton of information from this site and others like it. i also ordered an e-book on line that was helpful. but my first question is this: health insurance.
more than likely my first job will be in some type of service industry, and i don't imagine they offer this. and from the living expenses and wages down there, it seems that most or all of my money will be going to afford living, at least until i can find better employment. so is health insurance something i will need to plan on paying out of my pocket? i haven't seen any information or questions on this yet, though i have not researched it too much. i am in good health and rarely get sick, but it is scary to think about living on the island without being able to see a Dr.
by the way, i plan on moving to STX.
i'm sure ill be posting regularly. any help is always appreciated.
Insurance is very expensive, and there are only a few companies offering individual policies. At 22 years old, your rates won't be as high as mine! But, still, if you can get a job at one of the big resorts, you may be offered insurance as a benefit, even if you have to pay for it (or part of it). You are right, if you go to an individual restaurant or a smaller hotel, it won't be offered.
I have Amadex, and my husband has SRI. We are in our 50's, and we pay a FORTUNE. To tell you the truth, we aren't all that confident about what will happen if / when we file a claim. Check with your current company and see if there is some way you can keep what you have. I had property in NC, and the Blue Cross rep up there told me as long as they could send mail to my NC address, and I didn't start having a LOT of claims out of the country, there wouldn't be any questions asked. Unfortunately, I sold the NC house, so VI is my only address now.
thanks for the info. you told me what i pretty much expected to hear.
i'll check out the idea of keeping the address here in the states. my insurance statements and such get sent to my mother's address and she is not moving any time soon. so maybe i can keep it going there like you did in NC. who knows...? thanks again.
I'm really impressed that at 22 you're even thinking about health insurance! Good for you! Seeing if you can Cobra your insurance if you have it at your present place of employment would be ideal since it would be cheaper & probably better coverage. However, you could also look into just getting hospitalization insurance for yourself if you can't Cobra what you have presently or your future employer here doesn't provide it. At your age if you're healthy I doubt you go much to the doctor & a private policy covering office visits would really be high. Good luck!
thanks for the info Trade. I'll be looking into it.