How to navigate health insurance for travel nurses

Everyone, especially travel nurses, should have health insurance. Unfortunately, travel nurses rely on their employers for coverage which makes it difficult to keep your policy up to date. My Private Health Insurance offers personalized health insurance for travel nurses plans specifically tailored for travel nurses that are affordable and accessible – perfect for families as well as small businesses!

Travel Nurse Insurance: The Essentials

Travel nurses often feel they are ineligible for health insurance due to their constant travel and job nature, leading them to switch employers frequently. Unfortunately, they may still be classified as temporary or contract workers rather than full-time employees when applying for benefits through their agency’s health insurance plans which usually include vision and dental coverage as well.

Are Travel Nurses Eligible for Health Insurance?

They do, but it depends. Most nursing agencies offer travel nurses insurance; however, most often this coverage only applies if you are on assignment. Therefore, be sure to read your contract dates thoroughly so that you fully comprehend what coverage is provided.

The Advantages of Selecting an Agency’s Health Insurance Policy

Selecting the right health insurance policy for you can be a lifesaver.

Travel nursing agencies have always provided healthcare coverage on a two-sided scale – just like any other business offering health insurance to employees.

Let us examine the advantages and drawbacks of selecting an agency’s health insurance policy.


  • Avoid the hassle of setting up your travel nursing agency.
  • Agency health insurance plans tend to be more budget friendly than private coverage, with most covering at least some of the expense.
  • Agency insurance plans typically offer more coverage than external solutions.

Private Health Insurance Policy

Travel nurses have the option to decline insurance coverage or opt for private coverage. Just as with agency plans, there are advantages and drawbacks to private coverage as well.


  • There will be no gaps in coverage.
  • It provides for greater flexibility and personalization to meet your healthcare needs.
  • You can work with as many agencies as desired without worrying about deductibles.

Optional Travel Nurse Insurance may be purchased as well.

Once you have made your choice between private or agency-sponsored insurance, it is time to explore all of the available options. These will differ based on which type of policy your agency provides.

Preferred Provider Organization (PPO).

This plan gives you access to a network selected by the insurance company. This option is ideal if you plan on visiting specialists frequently and staying put for an extended period of time.

  • Providers are typically only accessible within a local network.
  • In-Network providers usually cover you completely, while out-of-network options require an increased copay rate and may only offer partial coverage.

PPO for Travel Workers provides more coverage options as well.

  • Similar to the previous plan, but with a wider network of providers. This policy is ideal if you plan on moving between states.
  • The provider network is growing across several states.
  • It’s essential to compare the services provided by different providers in each state, especially if you are considering joining a Health Maintenance Organization (HMO).

Under this plan, you must select a Primary Care Physician (PCP) as your Primary Care Physician. Referrals from your PCP are necessary for any specialist visits. If you already have an established Primary or PCP, then this plan is perfect for you.

Referrals must be made through your HMO network.

  • If you choose an outside-of-network provider, all costs associated with that visit must be borne by you.
  • No matter if the providers are in-network or not, medical emergencies can be covered regardless.
  • HMO plans and online PPO plans require a primary care provider, which can only be located locally.

Make sure your Travel Nurse Insurance Policy remains current

When selecting healthcare coverage for a travel nurse, there are many things to take into account. What does it cover? What happens if my insurance stops working while away on vacation? What happens if the travel nursing agency changes? These are valid questions that you should ask the agency before signing any agreement.

Related Articles

The Fascinating World of a Neurologist: Unlocking the Mysteries of the Brain

Have you ever wondered how the human brain, a mere 1.5 kg blob of grey matter, governs our every thought, emotion, and action? It's...

The All-Encompassing Power of Mental Healthcare: Going Holistic

You've probably heard the saying, "Mind over matter." But how often do we truly prioritize our mental well-being in today's fast-paced world? The significance...

Simple Tips to Maintain Youthful and Beautiful Skin

Age has an effect on our skin, making us less attractive as we get older. To keep looking our best and maintain youthful complexions,...

Advanced CPR Training: Elevate Your Skills with MyCPR NOW

Are you ready to take your CPR skills to the next level? MyCPR NOW go to the website offers advanced training that goes beyond...

Quickest Ways to Lose Weight- Methods That Really Works

No matter where you turn online - Twitter, Quora or any health-related forum - many questions and posts revolve around using Garcinia Cambogia to...

Ways Massage Therapists Can Work Smarter

Are You Enjoying Massage But Are You Realizing How Exhausting It Can Be? Physical and Emotionally Exhausting As an avid massage therapist, the physical...

Tips for treating your Irritable Bowel Syndrome (IBS)

What is IBS? Irritable Bowel Syndrome (IBS) can be defined as a common chronic illness that impacts the lining of your stomach (bowel). While your...


Passing a Restaurant-health Inspection: What Look for A restaurant's success is dependent not only on its talented staff but also on the amazing food they...

Meniscus Tear Prevention Tips for Athletes to Lower Their Risk

In the United States alone, over 850,000 meniscus tears are performed annually. A meniscus tear often needs to be performed due to faulty cartilage...

Quickest Ways to Lose Weight- Methods That Really Works

No matter where you turn online - Twitter, Quora or any health-related forum -...

Factors To Consider When Purchasing From The Electronic Cigarette Online Store

The introduction of electronic cigarette as an alternative for the analog cigarette quickly gains...

Dutch Ovens – A Great Option For Outdoor Cooking Parties

The inventive human mind and engineering skill, combined with creative cooking ideas and a...

Stand Alone Or Fit In – Stand Alone Vs Fitted Wardrobes

When considering a wardrobe, should you choose fitted or stand alone? Both have their...

Ideas For Keeping Your Outdoor Cooking Area Safe And Fun!

A lot of the planning, when it comes to cooking outdoors, has to do...

Best Fitness Tips For Men

Make sure you are getting the most from every minute you spend yoga for...

Are Antibiotics able to delay your period?

Your period can be delayed for many reasons. A delayed or skipped period can...

Importance of Physical Fitness – What is it and Why Do You Need It?

The importance of physical fitness in your life is something that should never be...

Assess Your Fitness Level

Many people, who do not exercise much, do so on the premise that they...

- A word from our sponsor -

error: Content is protected !!