Insurance or no Insurance

TexasPediRN · Jul 25, 2007

the job with benefits.

Why?

you're just starting the nursing program. You may be exposed to things that your body just isnt used to. You're going to be adjusting your sleep schedule, eating schedule, studying schedule, and your body may get run down. You may catch colds easier just b/c of stress, but also of what you are exposed to.

PRN is good b/c of the money involved, but benefits are benefits.

Also, most schools will require the student to have insurance.

Another point to make though is will you have enough time to go to school and clinicals with a full time job?

Just a few things to think about..

congrats on getting into school!

TazziRN, RN · Jul 25, 2007

The reason your per d job pays more is because there are no benefits.

Take the one with the benefits.

OC_An Khe · Jul 25, 2007

Never ever be without health insurance. See what it woould cost to buy an individual policy and subtract that cost from what you would earn as a PRN. You'll probably see that the job with benefits will be better in many ways.

P_RN, ADN, RN · Jul 25, 2007

Insurance always comes as a priority. My daughter who had NEVER been sick was hit with a gallbladder attack while uninsured. She's paying off $17,000. Insured, insured, insured. NEVER go without.

HM2VikingRN, RN · Jul 25, 2007

the job with benefits....there are too many risks of illness while you are in school...

plus the prn job is more likely to be eliminated during a budget crunch...

ICRN2008, BSN, RN · Jul 25, 2007

I know of a few classmates in nursing school who went without health insurance. It caused them a lot of stress when they became sick and had to rely on the school health service. At least at my school, the school did not cover you if you required treatment due to an injury sustained during clinicals.

The money will come later, but you health (or lack thereof) is with you for the rest of your life.

AprilRNhere · Jul 26, 2007

? You can get insurance other places than through work. How much more pay is the one job? Call around to insurance agents and see if they offer insurance. Do you have a family or is it just yourself? I know state farm sells health insurance as do many other agents. Weigh the cost of benefits, with pay, with how well you like each job and decide from there.

AlsgalRN · Jul 26, 2007

My advise is to NEVER be without health insurance. I went for my annual mammo in late March. I had no problems, it was just time for the annual test. I could have easily paid for it without insurance. Well, I could not have paid for all of the expenses since then. The biopsy, lumpectomy, genetic testing, chemo..................last Thursday's dose cost $8597! I am grateful to have insurance.................don't allow yourself to be without it! You never know when you'll need it.

Regards,

Robin (my head and this smiley have the same amount of hair!

TheCommuter, BSN, RN · Jul 26, 2007

Let's assume that you are a reasonably healthy person who does not need medical insurance.

You could become involved in a horrible motor vehicle collision on the way to work one day, and end up with medical bills from a lengthy hospital stay that will easily exceed $100,000. I had an MRI done on my pelvis and abdomen, and that cost $4,900 by itself. My point is to never go without health insurance if you can help it.

jetscreamer101 · Jul 26, 2007

I have always had health issues so have tried to at least be covered under one health insurance. I've had many surgeries and illnesses. In 2005 or so, I ended up on a vent in ICU for awhile. Between meds, chopper ride, homehealth, dr's fees, many CT's, etc, when I figured up what was billed to my insurances was over 300,000 dollars. Out of pocket was 500-600 dollars. I'm not sure what I would have done had I not been covered.

To make a long story short, go with the one that has benefits.