Coverage for Travel Nurses
You hold the healthcare system together. Your own coverage shouldn't fall apart between contracts.
Travel nurses live the gap problem professionally: agency coverage that starts late, ends early, and resets with every 13-week contract — often in a different state each time. The people doing the caring end up with the most fragile coverage in the building.
A private PPO severs your health insurance from your employment entirely. One plan, nationwide network, no gaps between contracts, no COBRA paperwork every quarter, no praying the next agency's plan covers anything.
The problems we hear every week
Coverage resets every contract
New agency, new plan, new deductible, new network — several times a year.
Gaps between assignments
Take three weeks off between contracts and you're either uninsured or buying COBRA at full freight.
Networks that don't travel with you
An HMO from your tax-home state covers little in the state where you're actually working.
A private PPO tends to fit when you're…
- ✦Travel nurses and allied health travelers working multi-state contracts
- ✦Nurses who take deliberate breaks between assignments
- ✦Those declining agency plans that cost much and cover little
- ✦Healthy clinicians who'd rather own their coverage than re-enroll quarterly
See what coverage costs for travel nurses
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Questions we get from travel nurses
Which state should my plan be based in?
Generally your tax home — and because PPO networks are nationwide, your coverage works on assignment. An advisor will confirm the details for your situation.
Is this better than my agency's plan?
Sometimes the agency plan is genuinely good — take it if so. The advantage of private coverage is continuity across agencies and gaps, which no agency plan can offer.
What about coverage during international assignments?
Domestic PPO plans focus on U.S. care. Ask your advisor about travel medical supplements if you're heading abroad.
Ready to find the right health insurance for you?
Ten minutes on the phone with a licensed Liberty Health advisor and you'll know what every option really costs — even if the honest answer is that the marketplace suits you better.
Mon–Fri, 8am–6pm CT