Read the policy to see if there is an exception for RN family members who work through an agency or if the insurance may allow case by case exceptions for those in special circumstances (isolated areas with few caregiving options?).
If the insurance policy does not allow for family members, it doesn't matter if the person is an RN, and LPN, an MD, or a CNA. Many insurances have a 'no family' policy.
Many insurances have a 'no family' policy.