Medical Insurance - New info?

Kim is from Kentucky I believe and is not married. She is a full-time resident.

Then do the research, as apparently those US citizens who've tried and failed to get it here (some who after a first attempt were told they could) just aren't giving you the right information. 😀

I just got off the phone with one of the reps.

I stated I was a US Citizen living in the US Virgin Islands and could I get coverage.

She asked me if I had an address in another country they could use - not to mail anything to just to have on record. I said no, that wouldn't be correct.

She then said they could not offer coverage.

Looks like Kim is incorrect.

If you are a US Citizen living in the US Virgin Islands and not willing to provide a foreign address (for which I'm sure coverage could be denied due to false information) then you cannot get CIGNA Global coverage at this time.

Thanks, IslandHops, for taking the time to confirm what's been said time and time again on the subject.

Maybe ask Kim if she supplied a non US address as indicated by the rep on the phone with IslandHops....

If so,...I would be leary of coverage should you make a large claim.

Kim has an address in a country other than US and USVI.

Wow. Cigna Global again is full of sh!t. They asked me if I had a relative living in Canada I could use the address of. Seems totally legit. Insurance is a scam to begin with we don't need to add these less than scrupulous folks into the mix

Try getting claims paid.......

From the Cigna Global policy: General Terms & Conditions: "This policy is meant for expatriates. It does not provide any cover for the cost of treatment in a country of which a beneficiary is a national at the time of treatment (for example, the cover does not cover the costs of a German national obtaining any treatment in Germany)."

I talked to a guy from Cigna today and they are "skirting" the nationality issue by saying the USVI isn't technically part of the main US (unincorporated) I forget the actual verbage. Therefore they are able to offer US Citizens insurance there if they have an address outside of the US. (Like Canada). Since they are actively encouraging this, I highly doubt they can get away with not paying a claim. I would maybe worry about non-renewal if you had too many claims or a massive injury or something. They also may not cover some pre-existing conditions because they don't have to follow the same regs being an international plan. However, he did say that there were extra add ons and plans that might include them depending on the condition.

We are self employed in the US and we formed an LLC (with a group of 2) and instead of having spouse insurance we each have our own policy through the business plan. It costs a little extra but we have insurance. Does that not work on USVI?

No plans here have to follow the ACA. Our BCBS seems to be in line with it as far as yearly physicals covered, pre existing conditions etc. I would never trust a company that asks you to knowingly provide fraudulent information to pay any claims.

hmmm.. so they are able to ask your medical history and underwrite a plan based on that? On the mainland they are no longer able to even ask. They have to cover you here no matter your health history.

I had a general health questionnaire. That was all.

The Cigna agent probably doesn't give a rats backside if your claims get paid or not. They just want the policy written.

If you provide a foreign address that isn't really your residence, and come down with a chronic condition or major (costly) injury, then I'm sure your claim and application will be reviewed thoroughly. You may very well end up not covered.

If you are a full time resident of the VI then you really need coverage under a plan/underwriter licensed to do business here. Unfortunately they are expensive, offer poor coverage, and not even available if you are self employed.

I'm pretty sure Cigna Global, a member of the Cigna worldwide group of companies, knows what its doing.

I've never had an issue getting a claim paid.

I've never had an issue getting a claim paid.

Because you're a legitimate insured, i.e. non-US citizen. Those who are not are naturally sceptical given the varying responses to their enquiries from Cigna.

I've never had an issue getting a claim paid.

Because you're a legitimate insured, i.e. non-US citizen. Those who are not are naturally sceptical given the varying responses to their enquiries from Cigna.

(tu)

I'm sure in the fine print, when you sign up, there's a statement that says you indicate that the info you provided is true and accurate. That's pretty standard. If you say you're a resident of a foreign country, and you actually aren't, it's grounds for denying a claim, as well as fraudulent. Having worked in the health insurance industry for eons, I have seen coverage cancelled, claim payments reversed, and even fraud charges filed. They may pay small claims initially. But if they detect a catastrophic illness/injury or start seeing high utilization, they will take a second look at your eligibility.

From the Cigna Global policy: General Terms & Conditions. Section 15: "Any person who, knowingly and with intent to defraud any insurance company or other person: (1) files an application for insurance or statement of claim containing any materially false information; or (2) conceals for the purpose of misleading, information which has been asked for, commits a fraudulent insurance act, which is a crime."

Again...its hard to imagine a reputable, billion dollar, multi-national insurance company like Cigna running a two bit scam in the Virgin Islands.

Somehow I just can't believe that.

Again...its hard to imagine a reputable, billion dollar, multi-national insurance company like Cigna running a two bit scam in the Virgin Islands.

Somehow I just can't believe that.

It is far easier to imagine, though, people who get commissions based on sales to misrepresent what Cigna offers.

and our workplace insurance is almost doubling this year

Again...its hard to imagine a reputable, billion dollar, multi-national insurance company like Cigna running a two bit scam in the Virgin Islands.

Somehow I just can't believe that.

It is far easier to imagine, though, people who get commissions based on sales to misrepresent what Cigna offers.

Not so...Cigna Global is not sold by independent reps. You deal with them directly.

Not so...Cigna Global is not sold by independent reps. You deal with them directly.

Cigna Producer Contract:
http://www.cigna.com/assets/docs/brokers-and-consultants/Cigna%20Producer%20Agreement%20rev%209-2010%20%2010-5-2010.pdf

The Cigna not Cigna Global...two different divisions.

The Cigna not Cigna Global...two different divisions.

Cigna Global - Resources for Broker and Producers
http://www.cignaglobalhealth.com/resources/brokers-producers/brokers-and-producers.html