Who we are

Elan Insurance USVI, Inc. is the only USVI –based and B+ rated health insurance company that provides health care coverage and benefits services to commercial businesses in the Islands of Saint Thomas, Saint Croix and Saint John.

 

We put care first—for our clients and the communities we serve. We are innovators in developing new programs and initiatives that result in better health outcomes, higher member satisfaction and lower health care costs.

 

We’ve developed a product portfolio around the needs of your employees, offering plan options and cost-saving strategies to help you choose the health care coverage that works best for your business.

 

Our company’s mission is to provide the community with the best quality and affordable health care in the most appropriate setting.

Members

Customer Service:

 

1.844.464.4277
Monday to Friday
8:00 a.m. to 5:00 p.m EST.

 

Aetna Networks

 

Pharmacy Benefits Customer Service (HealthSmart Rx):

 

1.800.681.6912
Monday to Friday 7:00 a.m. to 7:00 p.m CST.

Employers

Comprehensive coverage for your employees

We work together to provide sustainable health care insurance solutions for your employees and eligible family members in the U.S. Virgin Islands. We also provide a wide range of services and programs from which you, your employees and any enrolled family members can benefit. These include:

Access to quality health providers in U.S. Virgin Islands, United States and Puerto Rico

My Decision Program – an innovative, quality and cost-efficient approach to care through selected Centers of Excellence.

Emergency transportation assistance program through MASA

Clinical programs such as Case Management

Easy to use online tools available 24/7 at My Health

Integrated Pharmacy Benefit Administration with an extensive network of pharmacies in the U.S. Virgin Islands, United States and Puerto Rico

Health/wellness tools to put your employees and family members in charge of your health

Employee Assistance Program – with tools for improved efficiency in your workplace. We offer an ample variety of services to the employer as well as the employees at affordable fees

COBRA Administration at reasonable prices

HSA Administration services

Customer Service:

 

1.844.550.1980
Monday to Friday
8:00 a.m. to 5:00 p.m.

 

sales@elan.agency

Brokers

Help your Clients Get the Right Option and the Right Care

We work together to provide your clients all the right options to fit their budget needs.

 

ESI offers a suite of plans with medical, pharmacy, vision, essential dental benefits and a built-in wellness tools in one complete package along with optional dental and vision enhanced plans to broaden your client’s benefits. Our plan options include Health Plus plan, our Open Access PPO Plans and Health Choice, Island Only Plan.

 

We also provide a wide range of services and programs from clients can benefit.

 

Plan Highlights

 

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We also provide a wide range of services and programs from that clients can benefit. These include:

Access to quality health providers in U.S. Virgin Islands, United States and Puerto Rico. More than 1 million health care professionals and facilities through Aetna PPO National Network

My Decision Program – an innovative, quality and cost-efficient approach to care through selected Centers of Excellence

Emergency transportation program through MASA with 27/7 assistance

Clinical programs such as Case Management

Easy to use online tools available 24/7 at My Health

Integrated Pharmacy Benefit Administration with an extensive network pharmacies in the U.S. Virgin Islands, United States and Puerto Rico

Health/wellness tools to put your employees and family members in charge of your health

Employee Assistance Program

COBRA Administration at reasonable prices

Join the ESI Team!

Follow this easy steps to become an ESI Agent:

Step 1:  Review the ESI appointment paperwork submission requirements and download the required forms

 

Step 2:  Complete the Agent/Agency Agreement (if multiple producers at an agency or the agency itself are applying for an appointment, each producer must sign their own agreement).

 

Step 3:  Email your completed forms to billing.commissions@elan.agency.   Please include also copy of your Licenses issued by the Division of Banking and Insurance of the Office of the Lieutenant Governor in the U.S. Virgin Islands and professional liability coverage.

 

Step 4:  Get started as our valuable Agent.  We will provide all the support you need greater sales    Need more information?

Need more information?

Please contact ELAN Solutions, Inc. (ESI), by phone or email at:

1.305.890.1544
You may call Monday¬to Friday from 8:00 a.m. to 5:00 p.m.

billing.commissions@elan.agency
Questions sent after 5:00 p.m. will be answered the next business day.

Regular mail
Address: 500 South Dixie Highway, Coral Gables, FL 33146

Providers

For precertifications:

 

1.877.202.6379 Option 3 
Monday to Friday
7:00 a.m. to 7:00 p.m. CST

 

 

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Our Products

We provide employers comprehensive health plan options to fulfill their employees needs

We’ve got two primary lines of products. Group Health products that members can access through their employers as well as our revolutionary Elan Vital Accident Coverage (EVAC) available to individuals and families.

Group Health

We’ve got multiple options for employers and employees. One option is an Open-Access Plan for people who travel stateside frequently and prefer to receive medical care in the U.S. We also provide a more affordable Islands-Only plan for people who are comfortable receiving medical care locally.

Dental and vision insurance is also available.

Evac

We also provide multiple EVAC plans for individuals and families. EVAC is a ground-breaking medical plan that provides 24/7 Emergency Air Transport as well as up to $2M in medical coverage for life-threatening injuries and illnesses that require care off Island with no deductibles, no medical questions and no hoops to jump through.

We have plans for all situations, including plans that cover certain preventative and routine medical care.

Dental and vision insurance is also available.
Medical Plan
Options
Dental
Care
Vision
Care
Employee
Assistance Program
EVAC
Insurance
COBRA
Administration
HSA
Administration
Life
Insurance

Have Questions?

Our Customer Service is available whenever you have a question or concern about benefits or services. Customer Service can help you understand the benefits, address network provider’s issues and provide answers to questions about ESI’s programs and policies and many other topics. 

Customer Service: 1.844.464.4277

(Monday thru Friday:  8:00 a.m. to 5:00 p.m Eastern Standard Time.)

 

Pharmacy Benefits Customer Services (HealthSmart Rx): 1.800.681.6912

(Monday thru Friday:  7:00 a.m. to 7:00 p.m. Central Standard Time)

Other Important Numbers & Information

Customer Service/Claims Fax

1- 806-473-3280

 

Pre-certifications & Care Management

1-877-202-6379, Option 3

(Pre-certification Hours:  Monday thru Friday:  7:00 a.m. to 7:00 p.m. Central Standard Time)

 

Pre-Certification & Care Management Appeals

Fax: 806-473-3146

 

Management Appeals

Email: HCM_Appeals@healthsmart.com

Our Key Values


Access
An extensive network of providers in the USVI, Puerto Rico and the United States.

 

Choices
Tailored programs and broad plan options to meet you and your employee’s needs.

 

Tools
Online resources that help employees make well-informed health decisions.

 

Local
Locally-based representatives available for in-person meetings.

Members

Customer Service:

 

1.844.464.4277
Monday to Friday
8:00 a.m. to 5:00 p.m EST.

 

Pharmacy Benefits Customer Service (HealthSmart Rx):

 

1.800.681.6912
Monday to Friday 7:00 a.m. to 7:00 p.m CST.

Employers

Customer Service:

 

1.844.550.1980
Monday to Friday
8:00 a.m. to 5:00 p.m.

 

sales@elan.agency

Brokers

Customer Service:

 

1.305.890.1544
Monday to Friday
8:00 a.m. to 5:00 p.m.

 

sales@elan.agency – Sales

 

billing.commissions@elan.agency – Appointment process, sales reconciliation, commissions and other processes.

Providers

For precertifications:

 

1.877.202.6379 Option 3 
Monday to Friday
7:00 a.m. to 7:00 p.m. CST

 

 

Contact Us