Working PRN and buying your own insurance? - page 2

by Livi21

1,701 Views | 14 Comments

Just wondering if anyone has ever worked prn and bought their own insurance giving them more flexablity in where and when they work?... Read More


  1. 0
    Quote from tabbybear68
    If it will indeed be the paperwork nightmare... I personally have not come across an employer that didn't take the cheapest route possible at least not so far.
    Exactly... I don't see what the "nightmare" will be. Employers can readily demonstrate that insurance was offered.

    And yes, most businesses will choose their most cost-effective option.
  2. 0
    I work PRN at 2 different hospitals and pay $145 a month for insurance for my son and I thru Aetna. I went to that ehealthinsurance site and it was easy - let me search all different insurances, choose deductables and find an insurance plan that both my dr and my son's dr accepts.
  3. 0
    I did this for a while, a few years ago. I had quit a horrible job and wanted to take some time off from full time work. I worked per diem for a hospital clinic & a HH agency, and bought a health insurance policy for myself through Anthem, for about $90/mo. It covered ER/catastrophic, PCP visits & my birth control. I also bought a $25/mo Aflac policy that reimbursed me for preventative stuff like Pap smears, cancer screenings & immunizations. For that stuff I used a community clinic that had decent fees-for-service and paid cash. I was just fine for that 6 months, no problems, and I left the IRS out of it.
  4. 0
    Quote from Lucky724
    If you mean health insurance, yes, years ago. I shopped around, found a policy w/a high deductible and it worked well for me. I am healthy, take no medications so the high deductible kept the monthly cost low. I deducted the monthly premiums from my taxes. Did this for about a yr until my spouses insurance kicked in at his new job.

    If you mean liability nursing insurance, I have never carried this unless I was required to for a job which has been rare.
    If she was asking about liability insurance I would definitely recommend nurses have their own policy and not just rely on the employer's coverage. It is not expensive and it is a tax deductible expense.
  5. 0
    Quote from Bubbles
    If she was asking about liability insurance I would definitely recommend nurses have their own policy and not just rely on the employer's coverage...
    Agree.

    But this topic was exhaustively discussed / debated several years ago. Recommend anyone interested to do a site search and read away to their heart's content.


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