Nurses understand the Navigation Health Insurance critical need for health insurance, yet finding it can be challenging when traveling for work and searching for coverage. Most travel nurse agencies provide some form of health coverage, but it’s essential to fully comprehend all your options before making a final decision. My Private Health Insurance offers personalized travel nursing health insurance plans at affordable costs that are accessible to everyone – from small businesses and families alike – at an affordable price point. Here is all the information you need about travel nursing and health insurance, from private plans to agency-provided options:
Travel Nurses Health Insurance Plans
Private Health Insurance
Travel nurses may opt for private health insurance if the agency’s offerings don’t meet their needs or they plan on switching agencies frequently. Although it may be more expensive to get personal coverage, you are much more likely to find the ideal plan tailored specifically to you. Wanderly provides three types of private insurance specifically tailored for travel nurses:
PPO: PPO health insurance offers access to an elite network of high-quality providers and, depending on your plan, may cover a significant portion of your expenses.
HMO: An HMO is a Health Maintenance Organization that lets you select your Primary Care Physician (PCP), who must then refer you for care within its network.
Point of Service (HMO/PPO): A hybrid plan that combines both HMO and PPO benefits. You receive a referral from your PCP, but out-of-network providers are easier to access through this model.
Agency Health Benefits
Many agencies offer health insurance as part of their benefits package. If you’re a nurse looking to stay with the same agency, this could be an attractive option. But before signing anything, travelnurse.org suggests asking these questions about the insurance offerings from an agency:
- What is the waiting period before coverage begins? If you must wait a month, then coverage may not begin until after your assignment ends.
- What is covered?
- Will my coverage remain in effect if I stay with the agency?
- How long is typically between assignments covered under health insurance coverage?
- Can a spouse/dependent be added at no additional cost, and what would that entail?
Travel Nursing Health Insurance: Healthcare Benefits
Travel nursing insurance provides you with a host of perks and advantages from the day your contract is signed. These packages are tailored to help you lead a healthier life.
Cigna offers nationwide medical coverage to workers who clock 30 or more hours each week. Jackson Insurance covers most prescription and premium costs when you are enrolled in this plan.
Selecting the perfect travel nurse health insurance plan can seem like a daunting task. Take time to weigh all the options and decide what’s best for you and your family. If you have any questions about travel nursing coverage, feel free to reach out to a benefits specialist for assistance.
Mental and Emotional Wellbeing Benefits
Nursing can be a grueling profession. Perhaps you were called upon to help a patient who was very ill or had to stay late because someone close to you suffered an unexpected setback. Death unfortunately comes with the job and leaves little time for reflection or grieving. Add on top of that the issue of nurse bullying which can further compound your worries. No matter what the reason may be, we are here to ease your emotional load.