I am an American working for NCL on ships.
The ships do provide medical coverage while sailing,
but they do not cover my prescriptions and other medical issues not needed for their medical requirements, like gynecologist visits.
And the coverage I get from NCL while on the ship does not cover what is required for Obamacare.
I have gotten no help from NCL home office. They keep on telling me I am not eligible for coverage.
Am i just out of luck? or is there anything I can do to get actual health coverage ?
The OP is working for NCL, not NCLA . . . BIG difference!
Try this site Marine Crew Individual U.S. Health Insurance | MHG Insurance Brokers - I used them when I was with NCL and RCCL between contracts. They used to come aboard to speak to crew and set up insurance and investment plans (investments for non-US though). Remember filing a claim with them and it being taken care of promptly - but that was 10 years ago.
It’s a very good idea to make sure you have adequate coverage. There are several plans that are designed for members working on a cruise ship. A popular choice is the Global Navigator Marine Crew Insurance. The plan is regulated under US health care laws. The plan offers preventive care services and pre-existing conditions exclusions can be waived with proof of prior creditable protection. Good luck!