Explore group health plans from UnitedHealthcare in Virgin Islands. • Pap smears for cervical cancer prevention Medicare Part A helps pay for four kinds of medically necessary care: If you are dependent on a particular medication be sure to travel with it, and with a copy of your prescription. • Modify premiums within the limits of  benefits being offered; Fax: (340) 719-3801 As a component of Health Insurance, the unit also manages a wellness program for the Government of the Virgin Islands. What do the grandfather rules provide? Eligibility is based on income and resource limits.  – COBRA and more! If you have prescription drug coverage based on your current or previous employment, your employer or union will notify you each year to let you know if your prescription drug coverage is creditable. Medicare is a health insurance program for: 4510 You can enroll in a plan that offers only drug coverage or you can enroll in a Medicare Advantage plan which includes drug coverage, along with other health coverage. Plans K and L are new polices that were added in 2005 as a result of the MMA of 2003. The highest prices for insurance coverage are paid by small business owners and entrepreneurs. An AFLAC policy will provide benefits that can be used to help with Preventive Care as well as the cost of travel, meals, outpatient treatments and many other out-of-pocket costs not covered by your major medical insurance. Do I Need a Part D Plan if I Have Employer Health Coverage? • People with end-stage renal disease (permanent kidney failure treated with dialysis or a transplant). SHIIP counselors can also help you compare plans. • doctor’s services Employee Assistance & Work/Life Support Program. The Virgin Islands State Health Insurance Assistance Program (VI SHIP) is the Virgin Islands local Medicare source, which is locally administered by the Office of the Lieutenant Governor and federally funded by the Centers for Medicare and Medicaid Services (CMS). However, some plans offer enhanced benefits and may charge a higher monthly premium. • Continue to enroll new employees and family members. Attending Physician's Statement of Disability If you have a specific question regarding Medicare Part B coverage or claims, call 1-800-MEDICARE (1-800-633-4227). Medicare has two parts. The Virgin Islands State Health Insurance Assistance Program (VI SHIP) is the Virgin Islands local Medicare source, which is locally administered by the Office of the Lieutenant Governor and federally funded by the Centers for Medicare and Medicaid Services (CMS). In Virgin Islands it is administered by the Department of Health. The islands also see occasional cases of dengue and chikungunya, which are other mosquito-borne viruses. There has been a continual rise in the cost of health coverage which has outpaced the consumer’s average hourly wage. Buying a Medigap policy is not mandatory. Some policies specifically exclude 'dangerous activities' such as scuba diving. For any major issues you’ll likely be sent to St Thomas in the US Virgin Islands or to the US mainland. • Adjust premiums to reasonable rates yet keeping pace with health care expenses; We offer a variety of Life Insurance and Health Insurance options and Employee Benefits: We also offer a full line of Supplemental Insurance Coverage including: Gotts & Associates Insurance proudly represents the following Health Insurance and Supplemental Insurance companies: Gotts & Associates Insurance is a Full Service Insurance Agency licensed in the US Virgin Islands since 1992. Some people on Medicare have limited finances. • Mammograms for women over 40 3 Ways to Avoid the Late Enrollment Penalty US Virgin Islands; Health & insurance; US Virgin Islands in detail. Don’t go 63 days or more in a row without a Medicare drug plan or other creditable coverage. A group of state-regulated and standardized health care plans in the United States and Territories, from which persons can buy federally, subsidized health insurance. • hospice care Christiansted, VI 00821, Copyright © 2020 Gotts & Associates Insurance | Website Design by CindyLeighDesign.com. Health, Life, Homeowners and Business Insurance. The myCigna® app uses one-touch access, making it easy for you to personalize, organize and access your health information on the go.1 This app is a must-have for Cigna customers. Medigap policies are offered by private insurance companies who must follow federal and state laws established to protect persons with Medicare. UHC Post 65 Enrollment Form, 340-774-8588 ext. • Visiting the VI SHIP Office How to Switch Your Medicare Drug Plan You can switch to a new Medicare drug plan simply by joining another drug plan during Initial Enrollment Period, Yearly Enrollment Periods or Special Enrollment Periods. Drug plans vary in what prescription drugs are covered, how much you have to pay, and which pharmacies you can use. sparkle.estrill@dop.vi.gov, 340-774-8588 ext. If you already have health insurance: Gotts Insurance Associates represents supplemental insurance carriers that provide benefits that can be used to help with the cost of travel, lodgings, meals, outpatient treatments and many other out-of-pocket costs that are not covered by your major medical insurance. Banking, Insurance & Financial Regulation, Patient Protection and Affordable Care Act and How it Affects You (English), La Ley del Cuidado de Saluda Bajo Precio Y Usted/Patient Protection and Affordable Care Act and How it Affects You (Spanish), Long Term Care Insurance and Financing Options. Prescription drug coverage is now available from Medicare through Part D plans offered by private insurance companies. In the event of a name change: (1) A marriage certificate. You won’t have to pay a penalty, even if you’ve never had prescription drug coverage before. I am turning 65 but will continue to work. The Government of the Virgin Islands | National Health Insurance System National Health Insurance is a contributory health insurance plan that provides coverage for legal residents of the Territory, against the cost of a defined benefits package of health services. To view and download all of the natioforms, click the forms button below. Once registered, a health insurance card with a number will be issued to you. The Department of Human Services Bureau of Health Insurance and Medical Assistance is the division responsible for administering Medicaid in the Virgin Islands. Medicaid programs differ from state to state. Virgin Islands Consumer Assistance Program Our company’s mission is to provide the community of the U.S: Virgin Islands with the best quality and affordable health care in the most appropriate setting. Mosquitoes and no-see-ums (tiny sandflies) bite throughout the islands, so slather on insect repellent. [Note: If you’re eligible for Medicare because of a disability, there must be at least 100 employees.] If you or your prescriber believe that one of these coverage rules should be waived, you can ask for an exception. P.O. Extra Help If you meet certain income and resource limits, you may qualify for Extra Help from Medicare to pay the costs of Medicare prescription drug coverage. Some Medicare drug plans have different levels or “tiers” of coinsurance or copayments, with different costs for different types of drugs. • No lifetime plan limits; Is there coverage for prescription drugs under Medicare? 3. Persons with both Medicare and Medicaid are called “Dual Eligibles” (DEs). Diagnosis can be both financially and emotionally devastating. • outpatient hospital care Every year from October 15-December 7 there is an annual election period when you can change plans, drop coverage or add coverage. Will it be complicated for employers take action in response to increasing health care expenses and new changes due to the grandfather rules? Tap water is generally safe to drink, though it's best to check in advance at your hotel or rental villa. 5136 The two laws are collectively referred to as the Affordable Care Act. • Extension of coverage to young adults under 26 years old on parents’ plan. • inpatient care in a skilled nursing facility following a hospital stay The following companies offer Health insurance in US Virgin Islands. MAP will still cover other care that Medicare doesn’t cover. Why is healthcare reform important? Get a Free Quote They suffer from the most limits on their benefits. In 2006 Medicare added a prescription drug benefit called Medicare Part D. Medicare contracts with private companies to offer prescription drug plans. Lack of leverage causes them to make significant changes in their coverage on a yearly basis. The reforms that apply to all individual market health plans include: Please call (340)773-1311 on St. Croix or (340) 774-0930 on St. Thomas/St. Gotts & Associates Insurance It is funded by both federal and state governments. • Raise within reasonable limits Deductibles and out-of-pocket expenses; and Phone:  (340) 773-6459 Ext. The Children’s Health Insurance Program (CHIP) covers uninsured children in families with moderate incomes that are too high to … Mosquitoes and no-see-ums (tiny sandflies) bite throughout the islands, so slather on insect repellent. To get Medicare prescription drug coverage, you must join a plan run by an insurance company or other private company approved by Medicare. AETNA Insurance American National American Republic Blue Cross Blue Shield Combined Dearborn National Life Insurance Company Humana Madison National Life Mid-West National Mutual of New York. 5250 By the year 2019 without reforms in place, health spending per insured person is predicted to be about $16,800. The letter will include a form asking about any drug coverage you had. Two of the standardized policies (Plans F and J) may have a high deductible option. Call the Social Security Administration at 1-800-772-1213 to make your address change. Medicare Advantage Plans with prescription drug coverage are sometimes called “MA-PDs.” You must have Part A and Part B to join a Medicare Advantage Plan. How to Drop Your Medicare Drug Plan If you want to drop your Medicare drug plan and you don’t want to join a new plan, you can do so during Initial Enrollment Period, Yearly Enrollment Periods or Special Enrollment Periods. • Well-baby and Well-child visits • Blood pressure, diabetes and cholesterol tests I am 62 years old. A Medigap policy is available to persons who are seeking extra help (insurance coverage) with paying for services not covered by the Original Medicare Plan. Without insurance, many Americans would be one health setback away from financial ruin. Tortola and Virgin Gorda have pharmacies. The Government of the US Virgin Islands provides superior health benefits to our retirees. Medicare cards can also be replaced online.