Finding a health Travel nurses need insurance policy that meets all your needs and is affordable can be daunting. My Private Health Insurance offers personalized plans tailored for travel nurses – affordable coverage options that appeal to all ages, including families and small businesses alike – at affordable rates that you won’t have any health insurance for travel nurses difficulty comparing. These factors should be taken into consideration when selecting which plan you should purchase as a travel nurse.
What are the options for travel nurses who require health insurance?
Travel nurses need insurance have two primary options to choose from:
- Agency-provided health insurance
- Private (individual) health insurance
- Every option has its own advantages and drawbacks; let us explore them together.
- Agency-Provided Health Insurance for Employees
Many travel agencies provide insurance for nurses. Trusted Health, for example, offers vision, medical, and dental coverage that begins on your first assignment. Your agency will take care of finding you coverage so you don’t need to search around on your own.
Most agencies only cover nurses during their contracts. It can be challenging and overwhelming to manage health insurance if you work with several travel nursing agencies. Consider another insurance option for nurses who frequently switch agencies or take long breaks between contracts.
Before you decide to enroll in your travel nursing agency’s insurance benefit, make sure you understand these important details.
When purchasing coverage for an individual or small business, the exact date you wish to begin coverage and when it ends are key details to consider. These dates should correspond with contracts between companies as well as private insurance policies.
Many travel nurses have the option of private or individual health insurance plans that offer no gaps in coverage. You won’t have to worry about losing coverage if you take a break for several months.
Private health insurance plans come in many forms.
Preferred Provider Organization (PPO)
PPO plans provide you with an expansive network of healthcare providers to choose from, all without needing a referral from your primary care physician (PCP).
If you use an in-network provider, the plan will cover part of your medical costs. Your copay may increase if you use outside providers. In order to start receiving coverage from the insurance company, there may be a requirement to pay an annual deductible.
PPO plans might be suitable for you if the following conditions are met:
- Your insurance company should cover some out-of-network claims
- Referrals aren’t necessary before visiting a specialist;
- Health Maintenance Organization (HMO).
HMO plans provide you with the option to select a Primary Care Provider (PCP), who will handle most of your medical needs. Your PCP may refer you to specialists if needed, and will suggest an HMO network provider; however, any expenses incurred if using someone outside this network must be borne by you.
- HMO plans may be suitable for you if the following criteria are met:
- You want a lower premium; You would prefer no deductible; You aren’t scared to cover out-of-pocket expenses
You require preventative healthcare services
Point of Service (POS).
POS plans offer the benefits of both HMO and PPO plans, with your PCP referring you out-of-network providers. While these may be more expensive, your plan may allow for access to services provided by your PCP without paying a deductible. Furthermore, many POS plans come with preventive care benefits included.
- Pos plans may be suitable for you if the following conditions are met: It’s okay to coordinate care with your PCP
- The network offers your preferred provider
- Things to consider when selecting health insurance
- Take your time and carefully consider each option before making a decision.
- Discover the advantages and reimbursements provided by your agency
It is up to you and your family to decide what works best for your situation. Are you required to provide coverage for spouse and dependents?
Will there be time off in between assignments?
What Kind of Coverage Do You Need? Take into Account Any Medical or Health Issues That May Arise
Take some time to research insurance providers. Discuss your medical and other circumstances with an enrollment counselor, then compare all your options in order to make the best choice for your situation.