Travel nurses are an essential part of the US healthcare system. They fill in the gaps in areas where there is a shortage of nurses, and they get to experience different places and cultures along the way. However, travel nurses also face some unique challenges when it comes to healthcare insurance. Since they move around frequently, they need reliable and affordable coverage that meets their needs and protects them from unexpected medical expenses.
So, how can travel nurses get the best healthcare insurance? There are several options available, depending on your preferences, budget and situation. In this blog post, we will explore some of the most common ones and help you choose the one that suits you best.
Agency Health Insurance
One option is to get health insurance through your travel nursing agency. Most agencies offer health insurance plans to their employees as part of their benefits package. These plans are usually subsidized by the agency, which means you pay a lower premium than you would on your own. However, there are some drawbacks to this option as well.
- Agency health insurance plans may not cover you between assignments or when you take a break from traveling. This means you may have gaps in your coverage or have to pay extra for a continuation plan.
- Agency health insurance plans may not be accepted by all providers or facilities in different states. This means you may have to pay out-of-pocket for some services or seek out-of-network care, which can be costly.
- Agency health insurance plans may not offer enough flexibility or customization to suit your specific needs. For example, you may not be able to add dependents, choose your deductible or copay, or select the type of coverage you want.
If you decide to go with agency health insurance, make sure you read the fine print and understand what is included and excluded in your plan. Also, compare different agencies and their plans to find the best deal for you.
One of the agencies that offers excellent health insurance for travel nurses is TransientHealth. TransientHealth is a healthcare staffing company that specializes in placing nurses and surgical techs in various locations across the country. They provide comprehensive and flexible health insurance plans that cover:
- Medical, dental and vision care
- Prescription drugs
- Life and disability insurance
- Accident and critical illness insurance
- Wellness programs and discounts
TransientHealth’s health insurance plans are designed to meet the needs of travel nurses who work in different settings and situations. They also offer:
- No waiting period for coverage
- No pre-existing condition exclusions
- No cancellation fees
- No deductibles or copays for preventive care
- Nationwide network of providers and facilities
TransientHealth’s health insurance plans are one of the best options for travel nurses who want quality coverage at an affordable price. You can learn current details about plans and benefits on the benefit page.
Private Health Insurance
Another option is to get private health insurance through a network such as Cigna or United Healthcare. These are some of the largest health insurance providers in the country, and they offer a variety of plans for individuals and families. You can get these plans online through Healthcare.gov or a private insurance company. These plans have some advantages over agency health insurance, such as:
- Private health insurance plans will cover you regardless of where you work or travel. You don’t have to worry about gaps in your coverage or switching plans every time you change assignments.
- Private health insurance plans will give you more options and flexibility to choose the plan that meets your needs and budget. You can compare different plans and features, such as deductibles, copays, coinsurance, network size, prescription drug coverage, etc.
- Private health insurance plans may offer better coverage for pre-existing conditions, preventive care, mental health services, maternity care, etc.
However, private health insurance also has some drawbacks, such as:
- Private health insurance plans can be more expensive than agency health insurance plans. You will have to pay the full premium yourself, without any subsidy from your employer. You may also have to pay higher deductibles and copays before your insurance kicks in.
- Private health insurance plans may not qualify for tax credits or subsidies under the Affordable Care Act (ACA). This means you may not be able to lower your premium based on your income or household size.
- Private health insurance plans may require more paperwork and hassle to enroll and maintain. You will have to fill out applications, provide proof of income, update your information regularly, etc.
If you decide to go with private health insurance, make sure you shop around and compare different plans and prices. Also, check if you qualify for any discounts or assistance programs that can help you lower your costs.
Travel Medical Insurance
A third option is to get travel medical insurance through a company that specializes in providing coverage for travelers. These companies offer short-term policies that cover emergency medical expenses while you are abroad or in another state. Some examples of these companies are VisitorsCoverage, SafetyWing, InsureMyTrip, AIG Travel Guard, Atlas World Trips, World Nomads, etc. These policies have some benefits over agency or private health insurance, such as:
- Travel medical insurance policies are easy and quick to get online. You don’t need a lot of documentation or verification to apply and get approved.
- Travel medical insurance policies are flexible and customizable. You can choose the duration, amount and type of coverage you want, depending on your destination and activities.
- Travel medical insurance policies are affordable and cost-effective. You only pay for the coverage you need when you need it.
However, travel medical insurance also has some limitations, such as:
- Travel medical insurance policies are not comprehensive and may not cover everything you need. They usually only cover emergency medical expenses, such as hospitalization, surgery, ambulance, etc. They may not cover preventive care, routine check-ups, prescriptions, dental care, etc.
- Travel medical insurance policies may not be accepted by all providers or facilities in different states or countries. You may have to pay extra fees or deal with different regulations and standards.
- Travel medical insurance policies may not comply with the ACA requirements. This means you may have to pay a penalty for not having minimum essential coverage.
If you decide to go with travel medical insurance, make sure you read the terms and conditions carefully and understand what is covered and what is not. Also, compare different companies and policies to find the best value for your money.
Obtain the security you need
As you can see, there is no one-size-fits-all solution for healthcare insurance for travel nurses. You have to weigh the pros and cons of each option and find the one that works best for you. However, there are some general tips that can help you make an informed decision:
- Consider your personal and professional needs and goals. How often do you travel? Where do you travel? What kind of care do you need? How much can you afford to spend?
- Do your research and compare different options and plans. Look at the coverage, costs, benefits, exclusions, limitations, etc. of each plan. Use online tools and calculators to estimate your expenses and savings.
- Ask for help and advice from experts and peers. Talk to your agency recruiter, your financial advisor, your fellow travel nurses, etc. They may have valuable insights and recommendations based on their experience and knowledge.
We hope this blog post has helped you understand how to get the best healthcare insurance for travel nurses. Remember, your health is your most important asset, so don’t compromise on it. Choose the option that gives you peace of mind and security while you enjoy your travel nursing career.
If you are looking for a healthcare staffing company that provides excellent healthcare coverage for travel nurses, look no further than TransientHealth. TransientHealth is a leading provider of nurses and surgical techs to various locations across the country. They offer comprehensive and flexible health insurance plans that cover medical, dental, vision, life, disability, accident, critical illness, wellness programs and discounts. They also offer no waiting period, no pre-existing condition exclusions, no cancellation fees, no deductibles or copays for preventive care, and a nationwide network of providers and facilities.
TransientHealth’s health insurance plans are one of the best options for travel nurses who want quality coverage at an affordable price. You can learn more about their plans and benefits on their website Contact us today to find out how we can help you find your next travel nursing assignment.