Group Health Insurance and Wellness

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Superior health and wellness benefits

The Group Health Insurance unit manages and administers medical, dental, life, and supplemental insurance benefits for government employees and retirees. As part of its responsibilities, the unit also oversees a wellness program for the Government of the Virgin Islands.

Important Update on Your GVI Group Health Insurance Plan

Insurance Rates
Please note that while the current plan benefits and coverage remain the same, premium rates will increase. These adjustments are the result of annual rate negotiations and reflect the rising costs of healthcare services and claims utilization.

Deductibles
While rates are increasing, your deductible amounts will not change. On January 1, 2026, all deductibles will reset back to zero.

Active Employees: Payroll Deduction
For active employees, the new rates will be reflected in your payroll deductions beginning with the first pay period in November (11/13/2025). Please review the chart below to see how the changes may affect your contribution.

Rates

Membership Type	Plan	Old Rate	NEW RATE	Increased Cost
Single	Medical/Dental	$136.96	$160.44	$23.48
Family	Medical/Dental	$242.14	$283.29	$41.15
Family	Medical/NO Dental	$236.97	$277.96	$40.99

(Please refer to the rate sheet by clicking here, active employee rate sheet.)

Retirees
Retirees who are members of UnitedHealthcare (UHC) with dependents enrolled in a Cigna plan will see a rate increase in both medical and dental costs. Please refer to the rate sheet by clicking here, retiree rate sheet.

Retirees enrolled ONLY in UHC will see a slight increase in their dental plan costs. Please refer to the rate sheet by clicking here, retiree rate sheet.

If you have questions about your health plan, payroll deductions, or retiree coverage, please contact the Division of Personnel’s Group Health Insurance Unit at (340) 774-8588 in St. Thomas or (340) 718-8588 in St. Croix.

Updated 10/02/2025

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Group Health Insurance Benefits

To access the NEW Group Health Insurance Benefits page, click here.

This page is your central hub for accessing essential health resources and support. Here, you'll find everything you need to manage your benefits with ease, from medical, dental, and vision coverage to wellness programs designed to support your overall well-being.

Explore valuable resources, including:

myCigna Mobile App – Manage your health benefits on the go, find providers, and track claims.
Governor Employees Service Commission (GESC) Health Board – Stay informed about policy updates and decisions impacting your coverage.
Bentek Benefits Portal – Access and manage your benefits enrollment anytime, anywhere.
FAQs – Get answers to common questions about your health plan.
Employee Assistance Program (EAP) – Confidential support for mental health, financial concerns, and work-life balance.
Health Insurance at a Glance - Group Health Insurance Brochure

We are committed to making your health benefits simple, accessible, and effective. Explore the resources available and take charge of your well-being today!

Retirees

The Government of the US Virgin Islands provides superior health benefits to our retirees. Retirees under 65 years of age are covered by CIGNA Healthcare and retirees over 65 years of age are covered by United Healthcare.

DOCUMENTS AND FORMS

Insurance Rates

Physician Form
Family Questionnaire
Health & Life Insurance Benefits Enrollment and/or Change Form
Beneficiary Designation Form
Out of Network Vision Services Claim Form
Request for Address Change
Medical History Statement (To provide evidence of insurability or proof of good health.)