U.S. Virgin Islands

Written By Jerdon Johnston

Citizen Guide: Understanding Your Healthcare Options in the U.S. Virgin Islands

Navigating healthcare coverage in the U.S. Virgin Islands (USVI) can be challenging, but several programs and options are available to ensure residents have access to quality care. Whether you are uninsured, underinsured, or need financial assistance, this guide will introduce you to key healthcare solutions in USVI.

Who Needs This Guide?

  • You are uninsured or struggling to afford health insurance.

  • You want to explore your healthcare coverage options in the U.S. Virgin Islands.

  • You need financial assistance for medical expenses.

  • You want to maximize the benefits of your current healthcare plan.

Key Healthcare Programs in the U.S. Virgin Islands

1. Medicaid & CHIP

  • Who Qualifies? Low-income individuals, families, pregnant women, children, and people with disabilities.

  • What It Covers? Doctor visits, hospital stays, prescriptions, preventive services, and more.

  • How to Apply? Visit the U.S. Virgin Islands Medicaid office or check eligibility through local healthcare agencies.

2. Affordable Care Act (ACA) Plans

  • Who Qualifies? Those without employer-sponsored insurance, Medicare, or Medicaid.

  • What It Covers? Comprehensive health coverage, including preventive care, emergency services, and mental health services.

  • How to Apply? Enroll through Healthcare.gov or local government programs.

3. Medicare

  • Who Qualifies? Residents 65+ or those with certain disabilities.

  • What It Covers? Hospital stays (Part A), doctor visits (Part B), and optional prescription drug coverage (Part D).

  • How to Apply? Visit Medicare.gov.

4. Employer-Sponsored Health Insurance

  • Many employers in USVI provide health benefits to employees, covering a portion of the premium.

  • If you lose employer-based insurance, COBRA or similar continuation programs may be available.

5. Short-Term & Supplemental Health Plans

  • These plans provide temporary coverage or help fill gaps in traditional insurance.

  • Options include:

    • Short-term health plans for transitional periods.

    • Accident or critical illness insurance to cover unexpected medical costs.

Financial Assistance Programs

  • Premium Tax Credits – Reduce ACA plan costs.

  • Cost-Sharing Reductions – Lower out-of-pocket expenses for qualified individuals.

  • Local Subsidy Programs – The U.S. Virgin Islands may offer additional state-funded support.

Where to Get Help

  • USVI Medicaid Office – Apply for Medicaid or CHIP if eligible.

  • Community Health Centers – Provide low-cost or free medical services.

  • Tsunami Advisors – Get expert guidance in choosing the right healthcare plan for your needs.

➡ Need Help? Schedule a free consultation with a Tsunami Advisor today at TsunamiHealth.com or call 801-382-8576.

 
Jerdon Johnston