Medical Insurance - New info?

Okay...you got me there. Good web searching OT!

But you can't make me believe that Cigna/Cigna Global would swindle a few Virgin Islanders to make a quick buck.

It just doesn't make any sense whatsoever.

Okay...you got me there. Good web searching OT!

But you can't make me believe that Cigna/Cigna Global would swindle a few Virgin Islanders to make a quick buck.

It just doesn't make any sense whatsoever.

All insurance companies have brokers and all work on commissions so if some of these brokers can find something which passes the underwriter's scrutiny when reviewing the submitted paperwork - well, sales and human nature!

As a previous poster mentioned, claims may well be paid for a while but if the proverbial ca-ca hits that ceiling fan, the account is audited and it's found that the insured has provided false information in order to obtain the insurance, guess who loses out? Not the broker ...

And the insurance company can go right ahead and successfully sue the policy holder for any and all disbursements on prior claims.

I indeed have coverage with Cigna Global. Here's what my agent said, in response to some of the questions he's received:

"As you know we can fully cover in USVI it’s just that we need to arrange via telephone as the website will stop the application online as we need extra info.

I hope this saves any confusion for your fellow expats that you speak to in USVI.

Please encourage that they contact me directly rather than the website to save any confusion."

Barry McCormick
Barry.mccormick@cigna.com
Telemarketing Manager
Cigna Global Health Options
Individual Private Medical Insurance
The Grosvenor Building, 72 Gordon Street
Glasgow
Scotland
G13RS

Phone: 0044 1475 492119
Mobile: 0044 07713558219
or Toll Free from USA: 877 539 6295
Fax: 0044 1475 492315

www.CignaGlobal

I hope this saves any confusion for your fellow expats that you speak to in USVI.

If you're a US citizen living in the US Virgin Islands you are not an expat.

I spoke with Cigna Global. When I was not able to provide a foreign address, they said they could not provide coverage for a US Citizen residing in the US Virgin Islands.

Kim - we aren't ex-pats. The coverage won't cover us. If you have it good for you, but I'd say your chances of being covered if something serious happens are probably bugger all. That's a phrase even a dodgy rep from Scotland can understand.

Kim Lucas: I appreciate your response. But you neglected to say whether you had to give a foreign (not USA) address over the phone to get your coverage. And if so, whether or not you were a legal resident of that foreign country. And if not, how the company could grant you eligibility since their fine print seems to say otherwise.

I have this insurance....so does my daughter.

You do have to CALL them - you can't get a quote on line.

Call them and GIVE a them a foreign address, why is this so difficult to understand? This policy is not for American citizens without foreign addresses. I've tried this route. It is a nonsensical BS route

Well, that really clears things up. 😉

I have this insurance....so does my daughter.

Why are you either unable or unwilling to answer specific questions about how you obtained coverage? This isn't complicated and nobody's trying to invade your privacy but simply making an effort to put this to rest.

Its not hard to understand. They will walk you through the process when you call to arrange coverage. Part of that process is providing an address that is in another country. It could be a current or previous address. It could be the address of you or your spouse or a relative of you or your spouse. After all that, they'll send you a detailed health questionnaire to be completed for each person being covered. You'll submit that. If they have any issues with your answers, they'll follow up for additional clarification. If they have serious concerns about your health, you may be directed to a local healthcare practitioner so whatever tests they need to decide if they want to cover you can be taken. Eventually, if they still want to deal with you, they'll ask for payment and issue you a certificate of insurance. It pretty much like any other insurance policy I applied for. I've dealt with them by phone and email many times and am a very satisfied customer. I hope this helps.

I hope this helps.

It doesn't because you ARE an expat and are NOT a US citizen.

Yes...but its the exact same procedure for an American citizen.

There's something I can't recall about how preexisting conditions are handled.
You pay more upfront if there's a preexisting condition for them to accept and must be discussed prior to filling out paperwork?

Yes...but its the exact same procedure for an American citizen.

And US citizens don't qualify for coverage unless they have a foreign address, which seems to me to be a blatant circumvention of US insurance laws.

Yes...but its the exact same procedure for an American citizen.

And US citizens don't qualify for coverage unless they have a foreign address, which seems to me to be a blatant circumvention of US insurance laws.

Perhaps there is a loophole that you've missed and Cigna knows about. Let's keep in mind that the ACA is not a law that is applicable in the territories and possessions. Maybe you could scan through the ACA and find it.

Here's a link to all 907 pages...

https://democrats.senate.gov/pdfs/reform/patient-protection-affordable-care-act-as-passed.pdf

There's something I can't recall about how preexisting conditions are handled.
You pay more upfront if there's a preexisting condition for them to accept and must be discussed prior to filling out paperwork?

I think that was Health Care International. They basically determined your risk and bumped up your premium accordingly, if they wanted to accept you. Just like they did on the mainland before ACA. Cigna probably does the something similar.

You may be right.
It's a thread from some years ago.