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Researching a move to STX  

 

bandc07
(@bandc07)
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July 31, 2012 7:42 pm  

My husband and I are considering a move to St. Croix. Right now we are just in the beginning stage of researching to see if it is right for us. I have read everything on this website but still have some questions. Do employers offer health insurance and if so is it decent? If we have to get our own insurance, does anyone know who to go through or about how much it would cost us. It is just my husband and myself, no kids just two dogs. I am in health care and was wondering if there are many jobs in that field. I am willing to find work in any field, but was just curious.


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STXBob
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July 31, 2012 8:05 pm  

"Do employers offer health insurance and if so is it decent?"
Few employers offer it.

"If we have to get our own insurance, does anyone know who to go through or about how much it would cost us."
Nobody currently offers individual health insurance policies in the USVI.

"I am in health care and was wondering if there are many jobs in that field."
This is a frequent topic on the forum, especially for nurses.


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Linda J
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July 31, 2012 9:14 pm  

And the employers that do offer health may offer it only to the employee (not any depndents) and only after some time of employment, may be a year.


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bandc07
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July 31, 2012 9:28 pm  

What do people do for health care in this case? Just hope you don't have a major illness or injury?


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fdr
 fdr
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July 31, 2012 10:02 pm  

Yes, that is about all we can do!


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Alana33
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July 31, 2012 10:51 pm  

If you get together with friends, coworkers, etc,, it's possible to create your own group. It depends on which health care company you use as to how many people you need plus it depends on how many people are in a group whether large or small, as to what monthly fees shall be. The larger the group, the less the cost. But do the research and get answers to all individual questions before signing up with any company.
If over 50, I think, you can get a supplemental health care policy with AARP.

Just be aware that no matter what health care company you ues, most doctors still charge you, up front costs, for everything and you are responsible for any reimbursements due you from that visit from your health care provider. Some may submit paperwork for you and others have you do it, yourself.


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Linda J
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August 1, 2012 1:57 am  

This is a very large issue for VI residents. My husband and I had health insurance as a part of my pension. Without it we could not have spent 8 years on STX. And even then, we often had to pay up-front. And, the doctors we used on-island were out of network providers and we paid more as co-pay.

So yes, you hope for good health.


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STXBob
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August 1, 2012 2:07 am  

If you get together with friends, coworkers, etc,, it's possible to create your own group.

I think that membership in a group plan is restricted to people who work for the company that is sponsoring the plan. It can be as few as two people, and they can be husband and wife.


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bandc07
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August 1, 2012 4:31 pm  

Thank you for all the wonderful information!


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Alana33
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August 1, 2012 5:13 pm  

Not so. Several of my friends got together in STT to get a group plan and they do not all work for same company nor are they all related.


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STXBob
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August 1, 2012 5:58 pm  

Alana33: What insurance company are they using? What's the catch? Why isn't everybody forming a "friends" insurance group?


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LuckyGirl56
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August 1, 2012 7:35 pm  

About 1 month ago, I inquired thru a local health insurance representative, and the only way multiple people can get insurance is if they are employed by the same employer and the employer takes out the coverage. A 2 person plan thru a husband/wife company was almost $1600 a month with very high deductibles. Individual health coverage was still not available.


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OldTart
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August 1, 2012 7:37 pm  

I don't know if it's still available but a few years back individuals could obtain coverage through membership in the Chamber of Commerce.


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Alana33
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August 2, 2012 12:07 pm  

Alana33: What insurance company are they using? What's the catch? Why isn't everybody forming a "friends" insurance group?

I'll PM you name of person to contact that formed a group for information.
Best to get the info directly from the source.


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