By July 31, 2013 0 Comments

Ask a Travel Nurse: What About Health Insurance for Travel Nurses?

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Insurance PolicyAsk a Travel Nurse Question:  

I am currently a med/surg nurse and am thinking about exploring the option of travel nursing. My biggest concern is health benefits for my family. Do travel agencies offer that, and is it comparable to what I would get working in a facility?

Ask a Travel Nurse Answer:  

While travel nursing companies do offer health insurance, most will not be as good as you will find working as staff in a particular facility. If you think about it, healthcare facilities can offer such great care because they are mandating that you stay within their system (so they can control costs somewhat). A travel agency has to outsource that to someone like Etna or Blue Cross.

Some travel nurses prefer finding their own healthcare and that should become even more affordable when Obamacare sets in and insurance companies will be competing for your business. Most travel companies will also pay you a higher hourly rate if you choose to decline their provided insurance.

Many travel companies also now have “tiers” of coverage from which you may choose and almost all offer family coverage (but this would be an added charge). To see all their benefits like co-pays and max out-of-pocket amounts, ask your recruiter to send you a rundown of their benefits (most can just send a PDF file to your email instantly).

Hope this helps 🙂

David

david@travelnursesbible.com

First time bonus!

About the Author:

Hello everyone. I’m a travel nurse originally from Ohio who graduated in 1993 from Mount Carmel School of Nursing in Columbus. I completed a critical care fellowship at Riverside Methodist Hospital in 1994 and started traveling in that specialty a year later. My first travel assignment was in Maui and since that time I have completed close to 40 different contracts in various states with multiple travel companies. I am the author of Travel Nurse’s Bible (A Guide to Everything on Travel Nursing), in addition to my writings here and in the pages of Travel Nursing publications such as Healthcare Traveler Magazine and American Nurse Today. I am presently on assignment in Phoenix, AZ and travel anywhere from six to eleven months of the year.

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