Travel nurses sometimes face difficulties getting health insurance. Permanent nurses don’t typically face these same obstacles. What happens if you’re away from work for an extended period? Is your coverage flexible enough to allow for moving from state to state? There is no one-size-fits all approach when it comes to health insurance – simply because a travel agency offers it doesn’t guarantee it will be the best fit for you and your family. Let’s examine some key elements and considerations that travel nurses should know in order to make an informed decision: My Private Health Insurance offers personalized travel nursing health plans at affordable costs to all ages including small businesses as well as families.
Travel agency insurance policies vary significantly. While there is no one-size-fits all solution, selecting travel nurse coverage from an agency will be simpler as there are only a few options to choose from and it’s usually less expensive than private coverage due to the agency covering part of the cost.
Here are some things to consider when reviewing the travel nurse insurance options offered by your agency:
Day-one coverage
This may seem like a standard practice, but it’s not always that straightforward. While more agencies are offer insurance coverage from day one, some still require a waiting period.
Vision and Dental
Agencies do not have to offer this coverage, nor is it required by agencies. Make sure to review the terms such as deductible or maximum out-of-pocket to make sure it’s worth investing in.
Health Savings Account (HSA)
If you have a high-deductible health plan, an HSA could be beneficial to you. These accounts permit contributions to an account for health-related expenses without paying taxes on the money contributed; it can be rolled over from year to year and even earn interest which isn’t taxed.
Accident Coverage
Supplemental coverage can be added to major medical plans. It covers medical expenses as well as rent, mortgages and other bills. Travel nurses who enjoy thrill-seeking on their assignments are especially recommended to purchase this coverage.
Questions to help define health insurance for travel nurses
Talking with a recruiter and an established broker can help you evaluate all of your options and locate the most suitable coverage. To decide which type of health insurance is most suitable for you, answer these questions:
- Are you living with a preexisting condition or illness?
- Are you often the patient who requires costly medications and specialist visits?
- Is your family member required to have coverage?
- Does having vision and dental benefits become essential for you?
- Are you healthy and taking no prescribed medication?
- Would having lower deductibles make more sense than cheaper coverage for you?