Workers may need a New York temporary health coverage plan for a variety of reasons. They may be between jobs for any reason but can also be temporarily employed or have only part time employment. New York temp health insurance will also be required while waiting for permanent health insurance to begin or as an alternative to Consolidated Omnibus Budget Reconciliation Act (COBRA) insurance.

Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs) typically do not include temporary medical insurance. New York temporary medical insurance providers generally allow the insured person to receive care from any licensed health care provider in the United States.

1. Gap coverage is the intent of temporary health insurance. New York workers should expect to have standard health insurance in the future.

2. Temporary health insurance in New York provides protection against unforeseen illness or injury but generally does not cover preventative care or routine examinations.

3. Temporary health insurance is exempt from the Health Insurance Portability and Accountability Act (HIPAA) in New York which means that carriers do not have to guarantee an issue or renewal and are not required to waive the restriction on pre-existing conditions for individuals that would otherwise qualify.

Action Steps
The best contacts and resources to help you get it done

Compare quotes for New York temporary health insurance

There is a wide variation in coverage rates but individuals with New York temp health insurance will pay a much higher premium than those with permanent coverage.

I recommend: Get a quote for NY temporary health insurance at Health Plan Express They also provide some general information about the health insurance laws in New York.

Examine the type of temporary health insurance plans available in New York

NY temporary health insurance is more difficult and expensive to obtain than in other states.

I recommend: Find a list of the companies that provide temporary health insurance plans in New York at eHealthInsurance.com, including Atlantis, GHI and Oxford.

Apply for personalized quotes

You can get a more specific quote when you provide some basic information about yourself when applying for temporary health insurance. New York has many centralized websites that will send your application form to multiple carriers.

I recommend: Go to Med Health Insurance and enter your zip code. You will complete a brief application form and individual carriers that provide health insurance in New York will respond back to you with a preliminary quote.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Check for provisions that will extend your coverage beyond the expiration date of temporary medical insurance. New York temporary health care plans frequently cover total disabilities until the treatment is no longer required, you have received the maximum benefit, or you have reached a certain date beyond the plan's termination date. Many plans also provide a fixed benefit for follow-up care after the expiration date.