Nurse First offers health insurance options to our guests, with the option to opt out and still receive coverage. My Private Health Insurance provides personalized travel nursing right health insurance plans at an affordable cost that are accessible for all ages – small business owners as well as families. Here are some helpful tips on finding travel insurance that meets your healthcare needs.
Create Your Network Right Health Insurance Planuiesc
Network plans are the starting point when selecting health insurance. There are four primary options that offer similar medical coverage with some exceptions. Here’s a brief overview of each plan:
- Exclusive Provider Organization (EPO) plans provide coverage for only care providers within your network and do not cover emergency costs. EPO plans allow for specialist visits without the need for referrals from primary doctors, giving you more freedom and flexibility with medical appointments.
- Health Maintenance Organization (HMO) plans typically cover expenses only for providers in your network, except in emergency cases. Referrals are necessary before HMO members can see specialists.
- Point-of-Service (POS), which allows you to visit providers within your network, is available for both out-of-network and in-network right health insurance visits. However, charges will be lower if visiting providers outside your own network. Referrals are necessary for specialist visits.
- Preferred Provider Organization (PPO) plans typically offer the best coverage. They include in-network providers and higher costs for out-of-network visits. PPO plans don’t need referrals so you can see specialists without any restrictions or limitations.
- Network plans differ in their coverage. Some restrict non-emergency visits to providers within their network, while others allow visits outside that network. You should consider whether you would benefit from having out-of-network coverage available.
Consider Your Co-Pay Right Health insurance Plans
Looking at Your Co-Pay Right health insurance can vary significantly in cost.
Your insurance policy will divide the cost of a hospital or doctor visit into different tiers, known as metals. Bronze has the lowest monthly premium and you pay more for treatment; platinum provides for the highest premium with minimized care expenses. Your insurer pays 60% to bronze tier, 70% to silver tier, 80% for gold tiers, 80% for silver tiers and 90% for platinum tiers – leaving you responsible for paying any remaining percentages.
Which category is ideal for you depends on how much money you want to spend each month on healthcare services. Higher tiers may be more suitable if you’re willing to shell out more money each month in exchange for fewer hospital and doctor visits.
Consider Travel-Specific Insurance
Travelers working in multiple states may have trouble staying with one network plan. You may still have access to care providers within your network even if you move from North Carolina to South Carolina or Florida. Be sure to double-check with your plan before signing up, and consider exploring options in smaller states as well.
World Nomads offers comprehensive travel insurance that includes transportation assistance and medical coverage.
Consider Coverage Length
Some insurance plans may not provide benefits during short employment gaps as travel nurses. Therefore, make sure your plan offers protection no matter what occurs during these times. You may qualify for Nurse First insurance plans and travel insurance options listed above, so don’t feel bad if it takes longer to find another assignment. With Nurse First, travelers who are currently contracted with us can stay on our insurance plan provided the gap is no longer than four weeks and they stay connected with facilities during this period – giving yourself plenty of time to find another assignment without worrying too much! With plenty of time on your hands, make sure not to stress!
Reach Out to Your Travel Nurse Agency
Are you feeling confused and lost about health insurance? Don’t fret; reach out to your travel agency for assistance; a recruiter can answer all your questions and guide you towards selecting the right health plan.
Here are some factors you should take into account when choosing health insurance:
- What is the deductible?
- Is there a copay?
- What is the maximum out-of-pocket expense allowed?
- Are there any restrictions on who can access or utilize services?
- Are there exceptions for preexisting conditions?
- Can they be trusted and relied upon?
Asking these questions to your recruiter will empower you to make informed decisions about the most suitable insurance for yourself and your family. Remember that health insurance is an integral component of a travel nurse package – make sure it suits both of you!