Taking A Poll for an Assignment

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Hey guys, I know this question has probably been done way to many times, but I really wanted to just take a poll. Do you have (if your a nurse) or do you plan on getting it (for student)? Could you just give me a yes or no and a short comment if you'd like? Then tell me whether your a student or a nurse. It would also be awesome if you told me where the best place to get ins. if you have. Just give me the info you feel comfortable about giving. I would be so grateful.:monkeydance:

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Specializes in Critical Care.

Yup, got it. RN for 28 years.

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Specializes in Neonatal ICU (Cardiothoracic).

Don't have it right now.... My employer covers me fully while I practice at work. Unless I practice nursing outside of the hospital (which I never will) I don't have to worry about being covered. I have heard that if your hospital gets sued b/c of you, and knows you have insurance, they can countersue you for the costs they incurred due to your case. Then again, they can countersue you anyway. I will be getting coverage very soon as I will begin practicing in a high-acuity NICU in NYC and attending NNP school. ....

Stephen

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I will have to have it when my nursing classes start. It is required. I will continue to carry it after I graduate. I would never be without it.

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Specializes in LTC?Skilled and dialysis.

Yes it is a requirement where I attend school.We used a company the school was familiar with.

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Specializes in Case mgmt., rehab, (CRRN), LTC & psych.

I'm a nurse (LVN, to be most precise), and I have a policy. After all, I live and practice nursing in the most litigious state in America.

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student nurse here, yes i have it- $29 a year. NSO insurance, school required it, wouldn't leave home without it...NSNA also offers the same policy

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I'm a student right now and I don't have anything privately arranged for insurance

{maybe I need to ask before heading into clinicals}

what is NSO?

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yes, insurance all the way

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Specializes in tele, stepdown/PCU, med/surg.

I don't have insurance and I've been a nurse almost four years.

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I'm a student and I have it.

It was recommended to me by a nurse that I drop it after I graduate. She said that the hospital has lots of money, and you are covered by their policy (as long as you don't violate your nurse practice act). So if you do something wrong that doesn't violate your nurse practice act, the person (or family of) is going to go after the hospital (since they have the money), not you. But if you have a $1,000,000 policy, they're going to come after you as well. And yes, your policy will cover it, but now you've got your name tied to the law suit.

Well, what if I do something that the hospital insurance won't cover me for? (Which, of course, I don't plan on doing, but you never know.) Then guess who they're going to go after. Me.

Hmm...let's look at my options:

1. Have everything taken from my family and me, but at least I don't have my name attached to a law suit...

or

2. My name is attached to a law suit, but at least I still have a home.

I think I'll take number 2.

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I'm a student and required by my school to carry that they get good rates on. I will continue to carry it after I get my license as well. It's too much of a risk to not have it in my opinion.

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