Locum tenens 101: A physician's guide

Rachel Myers • Follow

July 15, 2025 • 10 min •

Summary

Discover what locum tenens is and how it compares to permanent roles, including contract structure, benefits and lifestyle differences for physicians.
Understand malpractice insurance works for locum physicians, with information on coverage types.
Get expert advice on navigating licensure and housing with insights from Aya Locums on support services and agency expectations.

The career paths available to physicians continue to evolve with the landscape of healthcare. Among the most flexible and fastest growing is locum tenens work. Whether early-career or seasoned professionals nearing retirement, more and more physicians are embracing the freedom, variety and competitive pay that locum work offers.

But what exactly does being a locum tenens involve? Whether you’re just starting your research or actively weighing your options, here are the answers to some key questions almost every provider asks before stepping into this unique world of temporary healthcare assignments.

1. What is a locum tenens physician, and how does it differ from a permanent position?

Latin for to hold the place — a locum tenens physician temporarily fills in at healthcare facilities where there are staffing shortages. Assignments can last from a few days to several months or even years, giving providers control over their schedules and work environments. Typically, working locums can mean fewer administrative responsibilities, allowing you to focus on patient care.

Learn more about the basics of locum tenens work

2. How much experience do physicians need to work as locum tenens?

While some facilities may be open to new graduates, especially in high-demand specialties or underserved areas, most healthcare organizations typically prefer physicians have at least 1–2 years of post-training experience before taking on locum assignments. This helps ensure providers are confident in their skills, able to work independently and comfortable adapting quickly to new environments.

3. What CV best practices should both new and experienced locum providers follow?

Regardless of experience level, your CV should demonstrate your work history, the variety of settings you’ve worked in, certifications, license and strong references. Aya Locums outlines everything you should include in your locum CV, and also provides additional resources like a sample CV and CV template.

4. How do I manage credentialing and multi-state licensing?

It’s common for experienced locums to hold multiple active licenses at a time. If you’re interested in an assignment in a state where you don’t yet hold a medical license, Aya Locums can assist you with applying for and renewing your license(s). Your dedicated licensing coordinator will proactively get you licensed while communicating with the appropriate medical boards.

Smiling male physician in white coat and stethoscope next to a list of tips for streamlining medical licensing and credentialing, including joining the IMLC and using agency support.

Learn more about the IMLC or licensing and credentialing as a locum.

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As a physician with Aya Locums, you can find your perfect assignment, then engage with our concierge-level recruiters on your terms to get started. Browse all physician jobs now.

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5. What is your employment status as a locum tenens physician?

As a locum tenens physician, you will be engaged as an independent contractor. We strongly recommend consulting a tax professional in your state who specializes in the regulations and requirements associated with 1099 income.

Additionally, working contract-based roles can mean you might receive fewer traditional benefits like employer-sponsored health, life or disability insurance. Many providers seek coverage through an insurance broker or their spouse. However, if you happen to be a W-2 employee for your assignment, you’ll be eligible for benefits from Aya Locums, including medical, dental, vision and more. Talk with your recruiter for details.

6. What should I look for in a locum tenens agency?

Not all agencies are equal. Look for:

Specialty-specific experience
Transparent pay and contract details
Malpractice insurance
Full-service credentialing
24/7 support
Housing and travel logistics

Aya Locums is committed to ensuring the quality of its job placements. We work closely with leading healthcare facilities nationwide to understand their needs and match them with locum tenens physicians who have the right skills and experience. Aya Locums also provides ongoing support to locum tenens providers to ensure an exceptional experience throughout your locum tenens career.

Explore all the benefits of being an Aya Locums physician by visiting our FAQ page.

7. How does malpractice insurance work for locums?

Most agencies, including Aya Locums, provide coverage, but types vary. Your Aya Locums recruiter will explain the comprehensive malpractice insurance offered with your contract.

8. How can I maintain work-life balance with frequent travel?

Balance is possible — and essential. Planning ahead and being selective about assignments are key to avoiding burnout. Some other strategies to help you achieve locum tenens work-life balance include:

Choosing longer or clustered assignments
Scheduling intentional breaks
Creating travel-friendly routines
Negotiating predictable hours
Opting for housing that suits your lifestyle

For more in-depth insights, explore additional strategies to enhance your work-life balance as a locum tenens CRNA here.

Unlock Your Ideal Medical Career Today

Discover the freedom and flexibility of locum tenens work and see how it compares to traditional roles. Get all your questions answered and start your journey with expert guidance from Aya Locums.

9. What are the housing and travel options for locum assignments?

Housing accommodations vary and are typically arranged by the agency. Aya Locums can provide housing, travel and transportation needs for the duration of your assignment. If you prefer to manage travel and transportation for yourself, let us know and we’ll talk to you about available reimbursements.

Common housing options for locum tenens assignments, including agency-provided, hospital housing, and short-term rentals, with respective icons.

10. Can I negotiate my locum contract?

Yes, your dedicated Aya Locums recruiter will guide you through the entire application process, from interview preparation to contract negotiation.

11. What are the common challenges new locum physicians face?

Newcomers to locum tenens should be prepared to adjust quickly to new EMRs and workflows, navigate unfamiliar environments and manage the administrative tasks that come with being self-employed. To ease the initial transition, consider starting with longer assignments, using digital tools for organization and joining online communities for support. Most locums adapt quickly and find that these roles offer the amazing professional and personal experiences that can only be found with these unique, temporary assignments.

Take control of your career today

Locum tenens isn’t just a job — it’s a lifestyle that puts you in charge of your career. With careful planning and the right support, the benefits of locums work can far outweigh the uncertainties. Whether you’re drawn to the flexibility, financial potential, or the chance to travel and explore new practice settings, locum tenens offers a unique path to professional fulfillment.

Thousands of physicians have made locum tenens a long-term lifestyle. If you’re ready to dive in, get connected with an Aya Locums recruiter to start your search now. Or visit our partners at DocCafe, to search for permanent roles.

All information, discussions and opinions contained within this blog or otherwise on the website or any linked materials (the “Blog Content”) is for general informational purposes only. All Blog Content is based on the author’s opinions and experiences and is not necessarily representative of our opinions as an organization. It should not be considered as tax/financial advice, legal advice, compliance advice, health advice or other professional advice and does not constitute the practice of any medical, nursing or other professional healthcare advice, diagnosis or treatment or provision of legal services. You should seek professional assistance for any concerns or issues. If you or any other person has a medical concern, you should consult with your healthcare provider or seek other professional medical treatment immediately. While we strive to provide accurate and up-to-date information, we make no warranties or representations regarding the completeness, reliability, or accuracy of the Blog Content. Your use of the Blog Content is solely at your own risk and we will not be liable for any damages or losses arising from the use of, or reliance on, any Blog Content.

Rachel Myers

Rachel Myers is a Team Manager of Recruitment at Aya Locums. With several years of experience in the locum tenens industry, Rachel has worked with a variety of physician and advanced practitioner specialties. Driven by her passion for making effective matches and enhancing patient care, she primarily focuses on matching locums with leading healthcare facilities across the U.S.

Learn more about Rachel Myers