Anybody buy their own private insurance?

tridil2000, MSN, RN · Oct 3, 2006

i've carried Liability Insurance for 20 years and no one's ever sued me. i cover my butt... and i am just as cautious with my patients!

caroladybelle, BSN, RN · Oct 3, 2006

Ok - so now that I'm convinced I will get liab insur asap.... how do we know who the good companies are? Any suggestions? Private is fine too. Thanks

Sorry to be so late getting back to you.

I am with NSO right now but forget who I was with at the time of the "problem" (traveler and don't keep those records with me and it was long enough ago to be moot).

As far as health insurance, I have no choice but to use my agency's. Due to medical issues (high risk), I would not qualify for most private policies, or they would have excessive premiums. Though, for the past few ears, I have seen my MD maybe once a year.

autumnd · Oct 3, 2006

I am an RN in the postpartum unit and routinely take care of babies. The thing about caring for infants is that the practitioners who see the baby can be sued anytime until the child is of age--I am pretty sure here in NY at least thats til they are 21. So if I change jobs and companies or whatever and then get sued in 20 years, I am darn sure going to carry my own insurance because who knows what the hospital would do. THey watch out for the bottom line--their own. I also have the pre-paid legal stuff thru my work, and its like $6/payperiod. Not much and worth it.
My hospital told me not to worry, they have insurance to cover their nurses. I talked to one of my former instructors who said she has always carried private insurance as well, to be safe. I agree and I have NSO. its only $45/month for a new grad and then afterward its about $100. Many of the nurses I work with have it as well.

I'm not in the nursing program yet, but my Nursing Preparation teacher told me that in California, even as students in the RN program, we will need malpractice insurance. I think it's $20 +/- a year, but for an RN she said it's close to $90, under $100, a year. That came up in class yesterday - that when it comes time for a malpractice suit, they look for those with money to sue. They try to find who can be found even partially liable, of everyone who was involved, whether it's doctor, nurse, hospital. If it is determined that what was done does not fall within that hospital's protocol, the hospital will not cover the nurse. They only cover the nurse under certain conditions. If the hospital's procedures themselves are suspect, they can really go after the hospital. Scary.

denicu · Oct 4, 2006

I'm hearing that there are some per diem nurses who buy their own insurance and Im just wondering if anyone has experience witht that for a family. Thanks.

i work agency so i have my own ins-blue cross./. No vision or dental, i am single so the cost isnt bad. As for liabilty-i dont have any.