How to Find Health Insurance for Travel Nurses & RNs – eHealth
many itinerant nurses struggle when it comes to making the right decision for their health insurance. Choosing health insurance for traveling nurses can be difficult, since traveling nurses spend a lot of time traveling and have multiple health insurance options.
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Many agencies offer health insurance plans for travel nurses. however, sometimes the health insurance that your agency offers to travel nurses is not the best for your needs. Sometimes this travel nurse health insurance can be expensive and lack the coverage that nurses often want.
Reading: What do travel nurses do for health insurance
Here are some things to consider when making a decision about which health insurance to get as a travel nurse.
what are my travel nurse health insurance options?
When it comes to choosing which direction to take for travel nurse medical insurance, travel nurses have a few options:
- agency-provided health insurance
- individual or family health insurance that complies with CA
- short-term health insurance
- have a baby
- moving out of your old plan’s coverage area
- change jobs
- new jersey
- rhode island
- washington dc
You may be wondering why Medicaid or Chip aren’t listed as insurance options. To qualify for health insurance through Medicaid or CHIP, you must meet a maximum income requirement. RNs typically earn much more than the maximum income requirement for these programs.
medical insurance provided by the agency
Many itinerant nursing agencies offer health insurance for traveling nurses, however, many nurses choose to obtain their own coverage.
Sticking to insurance provided by your travel nurse agency means you don’t need to worry about finding your health insurance. you don’t have to shop around and can simply take what is offered.
While this may be attractive, the insurance offered to you may not be the right health insurance for you and your specific needs.
One of the main reasons travel nurses choose to get an individual plan is because they tend to change agencies frequently. Even if you don’t intend to change agencies much, getting your own individual health insurance plan can offer you more stability and consistency.
also, if you decide to change agencies, paying for health insurance through cobra can often be expensive and sometimes unaffordable.
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In general, choosing your own health insurance allows you to have control over your coverage. individual insurance tends to work better than agency-offered health insurance for travel nurses with families, specific medical conditions, or other major health care concerns.
If you decide to enroll in the health insurance plan provided by your travel nursing agency, make sure you fully understand the plan you are enrolling in and the other options available.
individual and family health insurance
ACA-compliant health insurance plans, also known as individual health insurance plans, are one of the other options travel nurses have for health insurance.
You can get these plans online during the open enrollment period, which runs from November 1 to December 15 for insurance beginning January 1 of the following year in most states.
You cannot enroll in a health insurance plan outside of this time period unless you experience a qualifying life event.
qualifying life events include things like:
If you experience a qualifying life event, you’ll usually be able to enroll in an ACA plan during a 60-day special enrollment period.
Choosing an individual plan allows you not only to have more control over your benefits, but also how much you pay for your monthly premium and other out-of-pocket costs, such as deductibles or copays.
Navigating the health insurance market can be difficult. however, ehealth is here to help you find the right plan for your lifestyle and budget.
short-term medical insurance
Another option you have for health insurance as a travel nurse is short-term health insurance.
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These plans are much cheaper than ACA-compliant health insurance, but have much less comprehensive benefits.
If you’re between jobs, in the process of changing agencies, or struggling to pay your health insurance premiums, short-term health insurance may be a good option.
Please note that these plans may deny you coverage based on pre-existing conditions and may not pay for certain health care services, especially if related to a pre-existing condition.
vision and dental: do I need supplemental insurance?
If you choose to go outside of your travel nurse agency for insurance, it’s important to consider your dental and vision coverage options.
ACA health insurance plans do not cover routine dental and vision care. This means that if you want coverage for things like regular eye checkups, glasses, or dental cleanings, you’ll need to get supplemental insurance.
You can buy dental and vision insurance through brokers like ehealth.
can I be fined for not having health insurance?
While the tax penalty for not having health insurance has been repealed at the federal level, you can still be fined in some states for not having compliant health insurance.
You can be fined in the following states:
You can learn more about individual mandate tax states in our more detailed article.
where to start
Each person’s health insurance needs and options are different and require careful consideration. Whichever route you decide to take to get travel nurse medical insurance, eHealth can provide expert guidance and help you find a plan that fits your needs. As the first and largest online health insurance broker, eHealth’s experienced customer service team can help you with any questions you may have about your health insurance options and make sure you find a plan that’s right for you. budget and coverage needs.
Compare the wide range of individual and family health insurance options in your area with ehealth to get started today!