Agency nurses and insurance

  1. l just quit my job to do full time agency, and l am trying to figure out how to go about health insurance for my family and l. What does other fulltime agency nurses out there do about health insurance and has anyone been pregnant working agency fulltime, how did you do it?
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  2. 3 Comments

  3. by   hello_nurse_mel
    Quote from ADN2003
    l just quit my job to do full time agency, and l am trying to figure out how to go about health insurance for my family and l. What does other fulltime agency nurses out there do about health insurance and has anyone been pregnant working agency fulltime, how did you do it?
    Maxim agency has GREAT benefits w/ diff ins pkgs to choose from. I'm agency fulltime & love it. I chose the pkg w/ the highest premiums but have no ded. OB is covered 100% w/ $20 copay (1st visit only) hosp covered 100% w/ $175 copay 1st night. Much better than 80/20 plans where you still have to meet the deductible 1st. Maxim & Favorite Nurses are nationwide agencies (if you're an RN, Fav Nurses has better benefits than they do for their LVNs) I have family coverage & almost everything is covered.

    Good luck & congrats on pregnancy:hatparty:
  4. by   eddy
    Quote from ADN2003
    l just quit my job to do full time agency, and l am trying to figure out how to go about health insurance for my family and l. What does other fulltime agency nurses out there do about health insurance and has anyone been pregnant working agency fulltime, how did you do it?
    I get free health, dental and vision insurance through my agency as long as I maintain 32 hours per week. It's averaged per month, so never been a problem. If you're short, you pay some of the premium based on a per hour rate that you fell short. Haven't paid out of pocket once since they started this new plan (2 years ago). My rate of pay varies depending on where I go but is almost always the same or higher than nurses I have worked with that were from other agencies. GREAT deal!

    From what I gather, most agencies in my area (Kansas City) offer either very limited indemnity insurance (virtually worthless in my opinion) or make the employee pay all or most of the premiums.

    So, shop around....... you'll find that there is a HUGE difference in what is offered.

    Good Luck!
  5. by   misschelei
    Most of the agencies offer the "good" insurance to people who maintain at least 32 hours and prorate if you don't make the quota. Thats the only way to do it. For everyone else its a crappy ppo that costs way to much and doesn't help at all. You could also do a private plan through BC/BS or whatever. But they usually cost around 700 a month for family coverage and they screen applicants before offering coverage. Most of them conveniently require 9-12 months of coverage before they will cover pregnancy.

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