Per diem nurses need to be prepared for accidents and medical emergencies that may arise. Accidents, illnesses, or day-to-day eventualities can happen at any time.
What can a nurse do if they have to cover unexpected medical bills?
It can be worse if they haven't thought about insurance.
If nurses don't protect themselves, who will?
Picture this: You finish your per diem shift totally exhausted. In the last few days, it has been very cold, but the weather has been getting better in your area. You confidently drive your car home and don't notice before you get out that everything is frozen to the ground. You’re carrying several things in your arms that get tossed in disarray when you slip and fall. Suddenly, you have an unplanned trip to the local ER. You don't know how much all this will cost, and you need X-rays to check for broken bones. You have no choice but to stare down the reality of unexpected medical bills.
An X-ray alone can cost upwards of $1,000, depending on where you are and the type of scan. Accidents can happen, so why risk it? Accident coverage is an important addition to your primary health insurance. It serves as a financial safety net, helping to cover steep deductibles when unforeseen injuries strike.
Did you know that Nursa has recently partnered with Hooray Health?
Together, we offer optional supplemental healthcare plans for everyday medical needs. With options starting at $15 a month, like the Sol Lite plan, Nursa clinicians can get lower out-of-pocket expenses for everyday healthcare needs. The Sol Lite plan costs just $15 a month, provides up to $3,000 of coverage per injury, and comes with no deductible.
Here’s a breakdown of everything you need to know about this coverage option.
Why should you consider accident coverage?
Accident coverage offers significant benefits that make it a smart addition to your healthcare plan.
Affordable and budget friendly
Accident coverage plans are designed to be affordable, often costing as little as a few dollars a week. This makes them a cost-effective way to enhance your financial protection without adding a burden to your budget.
Cover deductibles
Quite often, medical insurance comes with high deductibles. If you don’t meet these deductibles, your coverage doesn’t kick in. Accident coverage provides financial assistance for out-of-pocket expenses arising from emergency room visits, X-rays, and treatment. It helps you bridge the gap between treatment and meeting your deductible.
Benefits are straightforward
Accident coverage typically offers a set amount of coverage per injury, giving you quick and direct support for out-of-pocket medical costs when an accident occurs.
Feel confident with accident coverage
Let's face it. A nurse has enough to worry about without adding the stress of being uninsured. In addition to family, work, home responsibilities, healthy eating, exercise, and day-to-day pressures, why add the pressure of paying high deductibles?
Who can benefit from accident coverage?
Accident coverage provides supplemental protection that fits a variety of lifestyles. While it's beneficial for everyone, it’s especially valuable for:
Families
Protect all members of your family. Kids’ active lifestyles often lead to unexpected bumps, bruises, and worse. Accident coverage helps parents manage unexpected out-of-pocket medical expenses with ease.
Active individuals
From weekend warriors to fitness enthusiasts, anyone with an active lifestyle can benefit from this extra layer of financial protection.
High-deductible plan holders
If you have health insurance that comes with a high deductible, accident coverage can help reduce your financial risk by covering unexpected injury costs.
Adventure enthusiasts
Whether you’re into high-risk hobbies like home renovation, bouldering, or road cycling, accident coverage ensures you can keep pursuing your passions without worrying about hefty out-of-pocket medical expenses.
Learn more about Nursa + Hooray Health
Nursa has partnered with Hooray Health to begin offering optional accident coverage plans available to Nursa clinicians.
Get the assurance that someone has your back and is looking out for you. That's why Nursa decided to make this partnership for the per diem nurses who need it so much. The Sol Lite plan costs just $15 a month, comes with no deductible, and provides up to $3,000 of coverage per injury.
Life is unpredictable, but your medical bills don’t have to be. Adding an accident plan to your insurance coverages ensures you’re prepared for whatever comes your way. Remember to take care of your insurance needs so your insurance takes care of you.
