Quote from GardenerGirl
I just lost my entire email, because I clicked, "post reply" instead of "post quick reply." Here's an abreviated version of what I just wrote:
How does an RN make a living at private duty, if she/he wants to work outside of an agency? How does the client bill insurance for such a service? How could the RN help the client determine what their insurance would cover for such private duty RN services?
Obviously, people need their nursing services covered by their insurance companies. How would an independent RN find out what would be covered, so she/he could take on a case? Who would pay the nurse? How would the client be reimbursed from their insurance co? What can the nurse expect for payment? (RN)
I have some experience in home care and case management/hospice; I wonder if I could make it on my own....?
As far as insurance, that should be set up during the discharge process from the hospital as far as I know. The parents of children who qualify are sent home fully trained in all aspects of their care, etc. Often they will start with an agency because there might be 24-hour care needed initially. As the children get older the parents may switch to being their own agency basically so that the nurses get the full payment (higher rate of pay per hour obviously without the agency taking their hourly cut) and the nurse turnover greatly improves. In Illinois, the private insurance is around 36.00 an hour, and the Medicaid/KidCare rate is 29.55 an hour. Every week nurses complete a time sheet, of course, and that is submitted to the insurer. The nurses receive their check by mail, and file a quarterly estimated income tax with a 1099 form. Being a contractor rather than employee means you can deduct mileage in addition to the deductions you are taking now (such as professional associations, stethoscopes, etc.) One more consideration - your malpractice insurance
, about 90.00 a year (which many nurses carry even WHEN employed). I have always had it, never had to use it.
Nurses have EVERY RIGHT to be more pro-active and TAKE NURSING BACK by seeking these through newspapers, online ads, word-of-mouth, etc. and AVOID the salary-cut they get when going through an agency.
If anyone else has more to add, please do. Thanks!