In my experience, like with most things, there is good and there is bad. I've been doing agency nursing now for 7 months. I am not supplementing; this is it. I relocated and am living temporarily with my parents. Because I really couldn't sign on as staff somewhere b/c I will be moving, agency seemed like a great fit for me. I must say, some of the horror stories I had heard have not come to pass. For the most part, it's been a great experience for me. However, you must be FLEXIBLE. Coming from a top-knotch Magnet facility where I worked in the ICU and received high acuity patients and was trusted, I have been knocked from my pedestal a little! I remember how I used to feel as a staff nurse working next to the agency/contract nurse who made considerably more money than me........if you are familiar with that feeling, than that is how you will be looked upon (for the most part). Depends on the facility and how much they need you. In one hospital, in a tiny ICU, they actually called and pleaded with me to come in to take care of a IABP pt b/c no one there knew how..........in another larger hospital, staff are nice and accomodating, saying I'm doing a good job, but shift after shift after shift I get the gomers (you know what a gomer pt is, right?). If you are independent, have a strong skill base, and can put your pride aside to be floated every now and then and/or take less than thrilling pt assignments, then go for it, and smile when you make twice as much as staff b/c you know what....... I always tell the "critical ones", just about any nurse can make the effort and sign up with a local agency and join in, right? I look forward to supplementing with agency, not totally relying on it; I think that's probably the best fit. If you are able to take advantage of your husband's insurance benefits, or look into BlueCross Blue/Shield for insurance. I am still coming out way ahead and I have a pretty thorough inexpensive insurance policy. Don't forget to get nurse liability insurance, too. Should have that even if you are staff. If you have any other questions, be sure to let me know. I've learned alot in a short amount of time doing the "agency gig."