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Health insurance PR and in states?

Hi everyone!
Thank you for all of the great information here :)

Can anybody offer some advice on what health insurance might work well both in PR and when visiting in the states? Does anyone here receive health care in both places? What works well for you? 

I've filled out some online forms requesting info for Cigna global and BCBS but haven't been able to get my questions answered yet.

Thanks!!

Donna

Hi, Donna, I don't have answers for you regarding insurance but wanted to ask how was your trip in September?  Did you find a place to live and what area?

Thanks for asking!! We had a great trip (although it coincided with the blackout so we ended up not doing several things that we had planned on). We did find a place! We will be living in Palmas :)

Donna, I have MCS and it has worked well for me here. Not sure if it works in the states, hope so. I have a great Doctor in Quebradilla and a great Nefrologist in Aguadilla and get all my meds, etc and it is very reasonable with the Medicare.

Look into it.

Tonie

Triple s , Mcs and Humana seem to be the major insurance companies, ask them about coverage in the us. Likely they cover up to a point.
If you have Medicare that covers you in PR and the US.
I am sure somebody here have travel back to the states for some operation or consultation, but may take a few days to answer. Call the insurance companies, you may get a faster answer.

Thanks Rey! I will call them tomorrow and see what I find out.

Donna

Congrats on finding a place!  Did you find something on the east side?

Update:
I talked to someone from Cigna global expat insurance. The plans sounded great but apparently they require you to list an address outside the US (some regulations they have to comply with??) which means your Puerto Rico address does not work. The sales rep tried to get me to give him my brother in law's address in London and offered me an Apple Watch as incentive if I filled out the forms and sent them by the end of the day. He says they don't use that "outside US" address for anything except to comply with some regulations, they won't mail anything there.  Sound sketchy to anyone else?

I talked with someone here in PR about Triple S options and the only stateside coverage is for emergencies (and only 50%).

I was told Humana does not offer individual plans in PR at this time.

I'm currently looking into MCS (thanks, Rey!) but haven't seen anything about coverage in the states.

My husband and I are too young for Medicare.

Hi! You should try BCBS. We have a federal plan due to my husbands work and it's the only one I can use in the states and PR. Humana would cover emergency services only in the states but it is accepted mostly everywhere in PR. Best of luck!

Justpeachyy :

Hi! You should try BCBS. We have a federal plan due to my husbands work and it's the only one I can use in the states and PR. Humana would cover emergency services only in the states but it is accepted mostly everywhere in PR. Best of luck!

Thanks!!

Interesting! I had BCBS in Colorado, not federal though. I know I can't just keep it since I have moved, but I wonder if I should try talking to the BCBS rep instead of Triple S?  I'll see what they suggest.

Donna

See this link, seems triple s is bobs or is associated
https://www.bcbs.com/node/1054

ReyP :

See this link, seems triple s is bobs or is associated
https://www.bcbs.com/node/1054

Yes, it looks like Triple S is the BCBS arm in Puerto Rico

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