NSO Insurance

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    I used to work full time on the mother-baby unit/newborn nursery & after a short while, it became SOOOOOOOOOOO routine & boring (no offense to all the passionate mbu/nbn nurses! just my opinion!). I recently accepted a position full time in the ER (my first real true passion), which will therefore make me part time on the mbu/nbn. Now, since I'm going to be working with acute critical patients, there will obviously be more at stake, (i.e. higher change for litigation).

    I was looking on nso.com & was wondering if anyone has this insurance, & if it's a good idea to get it. I mean, honestly? $98 per year sounds too good to be true, so I'm thinking, what's the catch?

    Also, has anyone had this insurance & been sued or had to appear at a deposition? & how was it? (Sorry for my million & one questions!)

    Thank you all so much!
    Rita, RN, BSN
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  4. 6 Comments so far...

  5. 1
    I don't know what to say and I am probably naive and stupid but I have had insurance with NSO for the last 18-19 years. My mom had it for the 30 years she was an RN, my mom-in-law is going on 40 years as a RN and also has NSO. Thankfully, no one has had to use it.

    I guess I would rather have something than assume that my place of employment will take care of me if anything ever happens.
    Rita_RN_BSN likes this.
  6. 1
    I've had NSO for 15 years. Never had to use it, but thankful it's there if I need it.
    Rita_RN_BSN likes this.
  7. 0
    Have had NSO for years. Would never consider going bare.
  8. 1
    Insurance of any kind is just that. Insurance. It's like a bet. You ante up your premium, and if you happen to find yourself on the losing end of your bet, you have the insurance to cover you and represent you.

    I don't take bets lightly. I have insurance with NSO because I don't want to bet that I'll never need it.

    If I pay my premiums and never need the services, I still feel I win. But if I ever have to use their services, I still win.

    Win/Win. What a great concept. They win too, because they're betting that you'll never need the services they provide, and can just pool your premiums in with the rest of us in order to provide the services to someone who does need it.

    I'd never be without it. It's just too cheap to NOT have it!
    Rita_RN_BSN likes this.
  9. 0
    Thanks to all you guys for replying!!! But, I was wondering, does anyone know what the "state mandated charge for Illinois" is? (it's indicated on the NSO application form)
    Thanks a mil!!!
    Rita, RN, BSN
  10. 0
    Insurance is definitely the wave of the future, but NSO seems so incredibly unorganized. I purchased NSO insurance for myself, but after returning back to school for my BSN, I needed to change my policy slightly for school purposes. I spent 2 months, 3 faxes, 5 emails, 8 representatives, 2 managers and 5 hours time trying to get this change approved. Everybody said something different, put me on hold, was unavailable, would call me back, all these crazy promises, needed just "1 more piece of paperwork", etc. Nothing happened despite all these efforts and empty promises. I ended up suspended from clinical because of my insurance not being correct. Everybody promised that my problem would be corrected by no later than that day, but it took my school calling me multiple times to say that they never received the information. I guess I was lucky that my school worked with me this long, but I ended up canceling my policy and going elsewhere.

    I can't imagine if any of my problems were an actual claim! I have never dealt with such an unorganized company! Beware!


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