The Travel Nurses Fix Kit
Built for travel nurses and travel nursing contract workers.
The agencies winning right now aren't necessarily the ones paying the most — they're the ones showing the bill rate before a nurse ever talks to a recruiter. This kit finds where the money leaks in your own work and gives you the steps and the words to close each one.
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The 15 leaks it covers
10 you can close it · 1 the other side owes it · 4 a pro decides
- Agency health coverage offered can block the self-employed health deductionWhere to look first: For each assignment this year, write down: W-2 or 1099, and whether the agency offered health coverage (even if you turned it down).Keep it from coming back: Get each agency's coverage eligibility dates in writing when you sign.You can close it
- Paying again for the same certifications and screenings for each agencyWhere to look first: Keep a folder with every current card and result: BLS, ACLS, PALS, specialty certs, titers, physical, drug screen, background check, with dates.Keep it from coming back: Ask whether existing results are accepted and who pays, before booking anything new.You can close it
- Comparing packages by weekly total instead of an honest blended rateWhere to look first: For each offer, add taxable pay and all stipends for a week and divide by the hours: that's the blended rate.Keep it from coming back: Run every offer through the same blended-rate check before you answer.You can close it
- Missing a state return when you worked in several statesWhere to look first: List every state you earned wages in last year and the dates.Keep it from coming back: Add each new state to your list the day you sign a contract there.You can close it
- Taking stipends without a tax home you can proveWhere to look first: Gather proof of your home costs while you're away: lease or mortgage, utilities, all in your name, with proof you paid.Keep it from coming back: Save each month's home payment proof the day you pay it.You can close it
- Renewing licenses in states you no longer work inWhere to look first: List every nursing license you hold, its renewal date and fee.Keep it from coming back: Review your license list each time one comes up for renewal.You can close it
- Never asking the bill rate, so the offer can't be judgedWhere to look first: Ask for the bill rate before you discuss your own pay.Keep it from coming back: Ask the bill rate first on every offer, and keep a record of the answers.You can close it
- No deduction to fall back on if stipends become taxableWhere to look first: If stipends end up taxed as wages, there is generally no deduction on your return to offset them. Your CPA confirms that for your case. So the protection has to happen before you sign.Keep it from coming back: One yearly review with your CPA before you sign the next contract.You can close it
- Extensions at one place pushing you past the one-year lineWhere to look first: Count every month you've worked in this one area, all extensions included.Keep it from coming back: Count your months in the area before every extension.You can close it
- Unpaid weeks between contracts not budgetedWhere to look first: Count the weeks you were actually on contract in the last 12 months.Keep it from coming back: Start the next search six weeks before each end date.You can close it
- A low W-2 shrinks mortgage, credit and Social Security recordsWhere to look first: Set your last W-2 beside what you actually took home that year, stipends included.Keep it from coming back: Look at the taxable hourly rate on every offer, not just the weekly total.The other side owes it
- Stipend set up so it could be treated as disguised wagesWhere to look first: Ask the agency in writing how your stipend is calculated: is it tied to the GSA rate for your assignment location, or worked out from total pay or hours?Keep it from coming back: Get the stipend method in writing before every contract.A pro decides
- Travel and setup costs repeated every assignment, reimbursed shortWhere to look first: Add up what your last setup cost: travel there, rental deposit, application fees, setup items, the drive home.Keep it from coming back: Get travel reimbursement, cap, timing and clawback in writing before you sign.A pro decides
- Benefits bundled into pay, and coverage gaps between contractsWhere to look first: Ask each agency whether health insurance and retirement are included in the package or offered separately, and what they cost you each week.Keep it from coming back: Get coverage start and end dates in writing before you sign.A pro decides
- Housing stipend offered without checking it against the federal per diemWhere to look first: Look up the GSA per diem rate for the county you're going to on gsa.gov. Lodging and meals are listed separately.Keep it from coming back: Check the GSA rate for the county before you discuss the package.A pro decides
Free: one full leak from this kit
No sign-up, no email. Here is leak 1 of 15 exactly as it appears in the kit, so you can see what you get before you buy.
Agency health coverage offered can block the self-employed health deduction
You can close it- For each assignment this year, write down: W-2 or 1099, and whether the agency offered health coverage (even if you turned it down).
- Make a month-by-month grid: which months you were offered a plan, which months you weren't, which months you paid for your own coverage.
- This deduction needs self-employment income. If you were W-2 on every assignment, tell your CPA that and you can likely stop here.
- If you did, bring the grid and your premium receipts to a CPA. They decide which months count.
Your part: Send the letters and take the grid to your CPA, who decides.
Email to each agency's HR or benefits office: Hello, I worked for [AGENCY] as a travel nurse from [START DATE] to [END DATE] in [YEAR]. Can you confirm in writing whether I was eligible for your health plan during that time, which months, and whether I enrolled? I need it for my tax records. Thank you, [YOUR NAME], [EMPLOYEE ID]
Get each agency's coverage eligibility dates in writing when you sign.
What this kit can't decide for you: Tax treatment is a CPA's or enrolled agent's call. We organize records and draft questions; we never say what to file or whether a stipend is taxable.
That's 1 of 15. The other 14 come the same way in the kit: steps, words to send, a habit to keep each one closed.
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What people in this work look up
When travel nurses go looking for answers, they search things like “travel nurse taxes”, “travel nurse pay”, “travel nursing pay” and “travel nurse contracts”. Those searches turn up forms, averages and other people's numbers. This kit starts from your own records instead: the 15 places money leaks in this work, where to look first and the words to send to close each one.
What you get for each leak
- Numbered steps to close each leak
- Your part, spelled out
- Words you can use: letters and scripts, ready to send (fill in the brackets)
- A habit that keeps each leak from coming back
- An honest line on what the kit can't decide for you
A page from the kit
Questions people ask
How do I compare travel nurse contracts?
By an honest blended rate, not the weekly total, and ask the bill rate. The kit shows how.
Do I need a tax home to take stipends?
Yes, one you can prove. The kit flags it.
Do I file in more than one state?
If you worked in several states, likely yes. The kit flags it.
What it can't decide for you
This kit works from your own records. It doesn't give legal, tax, licensing or financial advice, and it never tells you what to charge. Where a CPA, attorney, insurer or state board makes the call, the kit says so and gets your records ready for them.
19-page PDF · instant download after payment · Code VYR-KIT-JUNIPER-01
Opens secure checkout. Instant download after payment. 30 days to ask for a refund — refund policy · terms
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