Personal Benefits

As a nurse and ANA member, you are committed to providing superior care to your patients. It is your passion, and you invest all of your energy in your work. But who is taking care of you while you take care of others? Through ANA's Personal Benefits, we are here to help with seven important programs that every nurse must consider. ANA has carefully screened partners committed to providing ANA member nurses with great value, and we make it easy to cover yourself in these critical areas.

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Laurel Road specializes in helping nurses with the burden of student debt, that can allow them to save thousands of dollars†. With education, free personal consultation, and special refinancing rates, ANA and Laurel Road can help nurses manage the burden of student loans. Refinancing might help you consolidate your loans into one, manageable amount with one, potentially lower rate. ANA members also receive a special 0.25% rate discount or $300 cash bonus when using the link below.

Laurel Road's quick and easy online application allows you to get preliminary rates in minutes – without impacting your credit score and with no obligation to accept. Laurel Road has no fees to apply. You'll also have the option to set up automatic payments to receive an additional 0.25% rate discount.

You could get credit for payments that didn’t previously qualify for public service loan forgiveness. Wondering if you qualify for PSLF? ANA members get a free 30-minute session with a GradFin specialist and also get a $50 discount when they open an annual membership with GradFin for PSLF services.

When the federal student loan payment pause ended, student loan interest resumed starting on Sept. 1st and payments were due starting in October 2023. You have many questions regarding your student loans. That's why ANA teamed up with Laurel Road to provide an information webinar to help you prepare for what comes next and to understand the helpful resources and tools, some exclusively available to ANA members. Register today for the webinar on and watch it instantly on-demand!

It is critical for nurses to be active and fit, both for their physical and mental well-being. ANA members now have access to the Active & Fit Direct^TM Fitness Membership program to help. For only $28 a month (plus enrollment fees and applicable taxes), ANA members can join one of 11,000+ fitness centers in Active & Fit Direct’s Standard network (including brands like Gold’s Gym, LA Fitness, YMCA, SNAP Fitness, and Curves). In addition, the Active & Fit Direct program includes access to over 4,000+ digital workout videos for those who prefer to exercise at home, requires no long-term contracts, and offers healthy lifestyle one-on-one coaching. Plus, the Active&Fit Direct program just added over 5,000+ Exercise Studios and Fitness Centers in their new Premium network (including brands like Club Pilates, Pure Barre, Cyclebar and YogaSix), where ANA members can save 10-30% on membership.

This offer is not open to the general public, but ANA members can enroll their spouse (or Domestic Partner). The Active&Fit Direct program allows you to see the participating centers in your area before you join. Also, all ANA members can view 200 online workout videos for free just by registering on the website. Find out why the Active&Fit Direct program has 96% overall satisfaction!

Free Article: Focus on Fitness -- Not Weight Loss -- for a Longer, Healthier Life

Everyone needs Auto and Home insurance – let ANA take the hassle out of finding the best provider and best rate. ANA is partnering with Liberty Mutual to offer auto and home insurance to members with a quick and convenient application process and great rates. Members can potentially save $947 with customized auto and home insurance.*

Nurses need to protect themselves and their career by maintaining Professional Liability Insurance, a.k.a. Medical Malpractice Insurance. Do not assume your employer’s liability insurance will cover you when a lawsuit or complaint is filed. Nurses Service Organization (NSO) has a 45+ year history of defending nursing professionals from allegations of medical malpractice and licensing complaints. With over 500,000 nursing professionals insured and 60+ professional nursing association partners, they are the premier administrator of nurses’ malpractice insurance in the U.S.

We encourage you to explore NSO’s website, receive a quick rate quote, and browse the case studies and articles in NSO’s Learning Center. In the Learning Center, you will find NSO’s 4th Nurses Claim Report. It provides statistical data and an analysis of malpractice and licensing claims, as well as recommendations on how you can avoid potential problems in your practice.

ANA’s collaboration with Prudential provides exclusive insurance plans for ANA Members. Term Life Insurance can help protect your loved ones in the event you pass away – and your coverage stays in place even if your health or employer changes. AD&D protects you from an accident that results in death or dismemberment. Both products offer competitive and affordable rates for ANA members with quick and simple access – applying takes about 10 minutes and you can get coverage in as little as 30 days! Products may not be available in all states.

Click here for a 1-minute video explaining Term Life Insurance.

Click here for a 30 minute webinar that explains the benefits of Term Life Insurance and the ANA program offered by Prudential.

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Travel discounts are the #1 requested benefit program from ANA members. ANA has partnered with BookingCommunity to offer members hotel room rates that are discounted up to 70% -- lower rates than you will find at any online travel or hotel website. ANA members get access to amazing deals that are not available to the public, at over 800,000 participating Hotels and Resorts Worldwide. Plan a trip and watch the savings grow – it pays to be an ANA member!

Long Term Care Insurance is increasingly the choice of ANA Members seeking to protect their hard-earned assets from the high cost of long-term services along with the resulting financial spend-down and potential loss of self-reliance.

Through ANA’s partnership with Anchor Health Administrators (AHA), members receive specialized advocate services for these much-needed protections. AHA is a company that, for almost 30 years, has specialized in working with Nurses/Spouses to provide the best personal solutions for their planning needs. 

Active&Fit Direct:
Other terms and conditions apply. The Active&Fit Direct program is provided by American Specialty Health Fitness, Inc., a subsidiary of American Specialty Health Incorporated (ASH). Active&Fit Direct and the Active&Fit Direct logo(s) are trademarks of ASH and used with permission herein. Not all services may be available in all areas and the program may be changed (including monthly and enrollment fees and/or the introductory period) or discontinued at anytime.

About Prudential Financial
Prudential Financial, Inc. (NYSE: PRU), a financial services leader, has operations in the United States, Asia, Europe and Latin America. Prudential’s diverse and talented employees are committed to helping individual and institutional customers grow and protect their wealth through a variety of products and services. In the U.S., Prudential’s iconic Rock symbol has stood for strength, stability, expertise and innovation for more than a century. For more information, please visit news.prudential.com.

Laurel Road:

All credit products are subject to credit approval.  Laurel Road is a brand of KeyBank National Association.  All products offered by KeyBank N.A.

IMPORTANT INFORMATION: Please note that if you refinance qualifying federal student loans with Laurel Road, you may no longer be eligible for certain federal benefits or programs and waive your right to future benefits or programs offered on those loans. Examples of benefits or programs you may not receive include, but are not limited to, Public Service Loan Forgiveness, Income-driven Repayment plans, forbearance, or loan forgiveness. Please carefully consider your options when refinancing federal student loans and consult www.StudentAid.gov for the most current information.

Liberty Mutual:
*Savings validated by new customers who switched to Liberty Mutual between 1/2020-10/2020 and participated in a countrywide survey. Savings may vary. Comparison does not apply in MA. Coverage provided and underwritten by Liberty Mutual Insurance Company or its affiliates or subsidiaries, 175 Berkeley Street, Boston, MA 02116.