How to Save on Health Insurance as a Travel Nurse

This is specifically true for Independent Health Insurance or the Family Health Insurance that a Travel nurse requires, but generally, those are not very costly. Travel nurses – who may have very short stays at a given hospital – may have a hard time figuring out which healthcare choices to embrace. The good news is that there are several things that you can do to cut the costs of travel nurse health insurance while making sure you’re adequately covered across assignments.

1. Choose a Plan with Nationwide Coverage

The most effective way of maximizing the health insurance budget as a travel nurse is choosing a plan that has the flexibility of within-state coverage. Such insurers as Cigna, United Healthcare, and Blue Cross Blue Shield have individual travel nurse health insurance plans that involve the facilities that are available in many states. This means you are shielded regardless of the locations where your assignments will lead you eliminating the need to buy a new plan when you move to a new place. As such, keeping it with a single insurance provider also saves one additional frustration and expense of moving from one plan to another.

2. Choose an HDHP for yourself

If you find yourself in good health status, then it would be wiser to undergo a High-Deductible Health Plan in combination with an HSA. High Deductible Health Plans have the propensity of charging cheaper monthly premiums than other plans for a reason that they put more into savings every month. The HSA lets you use pre-tax dollars to save for your healthcare costs and the saved money continues to accumulate year after year, creating a buffer for healthcare expenses. As much, an HDHP can be appropriate for people who only seek protection for major costly health issues given that the deductible is high.

3. Use Telemedicine Services

It is worth mentioning that with the development of health insurance, more and more services can be received through telemedicine. Sometimes you work as a travel nurse practically you may find yourself in regions where access to healthcare facilities is restricted. Telemedicine can also be useful for other conditions for which it is not necessary to touch and examine the patient and communicate with him/-her face to face. With these services, you escape constant physician visits, plus you will not have to spend cash on medications during a travel or working shift.

4. Consider Short-Term Health Insurance Plans

Travelers provide short-term health insurance to independent contractors who have short-term or contractual insurance coverage needs during temporary or intermittent working periods. Health insurance plans are usually cheaper to get than the customary medical cover but they have restricted absolute coverage benefits and exclude pre-existing medical conditions. If you are between two projects, for example, they can be a valid solution for the next few months of work.

5. Look for Group Insurance Plans for Travel Nurses

There are those travel nurse agencies that provide group travel nurse health insurance for their employee. These plans, which are normally cheaper than other policies, are offered by the agency because they can easily bargain due to the large number of people in the agency. Make sure that your recruiter or agency provides you with some insurance group plans, and thus compare with the other offers.

Conclusion

Travel nursing positions allow the traveler to save money when it comes to health insurance. Choose the ones that cover the country, think of the combination of HDHPs and HSAs, turn to telemedicine, look into short-term options, and price comparisons. The option may require time when deciding where to go or perhaps which options between health coverings are affordable and which are not so that you can be served during your assignments.