Stuck on health ins...
 

Stuck on health insurance and freaking out  

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justin123
Posts: 1
(@justin123)
New Member
Joined: 3 years ago

I am stuck on health insurance and really need the helpful advice! 🙂

I'm looking for individual health insurance on St John. I am a US citizen moving on Island this month (August 2016). An employer plan is not an option as my employer has no plans available in the Virgin Islands. Here is what I have tried so far:

CIGNA GLOBAL: Used to offer health plans to US citizens moving to the USVI; now no longer does because a US Citizen living in the USVI is not considered an expat.

UNITED HEALTHCARE: Offers plans through employers only, not individuals.

BLUE CROSS BLUE SHIELD VI: Offers plans in the Virgin Islands through employers only. Individual plans "might be available in a couple of months" (whatever that means), but nothing now

AGILE INSURANCE: Appears to offer plans available through United Life Insurance Company, but in fact they do not. Not for US Citizens at least living in the USVI.

I am at a loss and can't believe it is so hard to find insurance here! I mean I knew it was hard... but it is now looking IMPOSSIBLE. Please help, all tips and suggestions appreciated!

Justin

75 Replies
ms411
Posts: 3554
(@ms411)
Expert
Joined: 9 years ago

ACA not available for ANY territory. Only States. Congress changed interpretation after bill was passed. Mapp helped spread the misinformation on that issue.

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Alana33
Posts: 12153
(@Alana33)
Expert
Joined: 7 years ago

DeJongh opted out on buying into ACA so our government could get more $$$$ for Medicaid. They would have had to put money into participating in ACA.

That's one of my main reasons for moving to FL.
I'm too young for Medicare, not indigent enough for Medicaid and there's nothing else available.

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SausageInTheCan
Posts: 396
(@SausageInTheCan)
Advanced Member
Joined: 6 years ago

Still BS where ever you are. Can't get it if your income is too low. Even then they still try to wack you for the fine. You have to get an exemption number for your tax return. So much for affordable health care for everyone.

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Spartygrad95
Posts: 1885
(@Spartygrad95)
Trusted Member
Joined: 5 years ago

Still BS where ever you are. Can't get it if your income is too low. Even then they still try to wack you for the fine. You have to get an exemption number for your tax return. So much for affordable health care for everyone.

Yup. That's what happens when you have for profit insurers covering health. Single payer is the only way to actually lower costs.

Also to the OP. BCBS VI is done writing new policies in the VI. So even employers here do not have that choice. United Health is the only choice for private employers now. One good thing about their plan is it is accepted in all 50 States too

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sunshinefun
Posts: 681
(@sunshinefun)
Trusted Member
Joined: 7 years ago

I am stuck on health insurance and really need the helpful advice! 🙂

I'm looking for individual health insurance on St John. I am a US citizen moving on Island this month (August 2016). An employer plan is not an option as my employer has no plans available in the Virgin Islands

Why do you need health insurance anyway? Are you prone to accidents or sickly?

If you're young and healthy, save your money. Its much cheaper to pay doctors and dentist visits as you need them for routine stuff. Most have discounts for those paying without insurance.

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