A: Unfortunately, insurance rates are increasing throughout the U.S. market. Furthermore, over last year, the VIPCA Health Plan had a high usage rate (total amount of premiums collected versus claims paid by the insurer). This means that members are using the plan and getting the health coverage they need. This also means that the insurer needs to cover their costs (claims paid) by collecting higher premiums. 

A: The rates are separate as a requirement from the insurer in order to ensure continued viability of the health plan as a whole.

A: If you work on the water in a professional capacity as a paid crew member (captain, mate, chef, engineer, deckhand, steward(ess), or other role) you should select a Crew Membership and have access to the Crew Member Health Insurance Rates. All other members should select the Land-based Membership option and have access to the Land-based Health Insurance Rates.

A: Yes, you can purchase the dental as a stand alone benefit.

A: The VIPCA Health Plan is full, comprehensive worldwide medical coverage, with one of the largest US mainland networks that includes medical evacuation. MEC plans have very low coverage limits after which you would pay whatever is left on your medical bill.

A: Open Enrollment is the period from November to December each year when an individual elects to enroll in or change insurance plans.

A: No, unless you have a “qualifying event.” If you are a current VIPCA member, open enrollment is the time to join the VIPCA Health Plan or wait until the next open enrollment period (November – December 2026).

A: A change in your situation — like getting married, having a baby, losing health coverage, or others as outlined here — that can make you eligible for a Special Enrollment Period, allowing you to enroll in health insurance outside the yearly Open Enrollment Period. 

A: If you are a new member, you can elect to join the VIPCA Health Plan within 15 days of your membership. If you chose not to enroll at that time, you will have to wait until the next open enrollment period (November – December 2026).

A: Absolutely! Please reach out to Rick to set this up.

Rick Bagnall, rbagnall@risk-strategies.com, 860.399.3634