You may need Pennsylvania temporary health coverage for a variety of reasons. You could be between jobs or you may only have temporary or part time employment. Pennsylvania temp health insurance will be required while you are waiting for permanent health insurance to begin and it can be an affordable alternative to Consolidated Omnibus Budget Reconciliation Act (COBRA) insurance.

Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs) generally do not provide services for temporary medical insurance. Pennsylvania temporary medical insurance providers usually allow the insured party to receive care from any licensed health provider.

1. Gap coverage between standard policies is the primary intent of temporary health insurance. Pennsylvania employees with temporary health insurance should expect to obtain long-term health insurance at some definite point in the future.

2. Temporary health insurance in Pennsylvania provides coverage for unforeseen illness and injury but generally does not cover routine examinations or preventative care.

3. Temporary health insurance is exempt from the Health Insurance Portability and Accountability Act (HIPAA) so these carriers are not required to issue or renew policies.

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

Obtain quotes for Pennsylvania temporary health insurance policies

There is a wide variation in premiums between companies, but policyholders of Pennsylvania temp health insurance will pay a higher premium than for a long-term policy.

I recommend: Get quotes from multiple companies that provide PA temporary health insurance at the Pennsylvania Health Insurance Network. They specialize in providing health insurance for Pennsylvania residents.

Examine the types of temporary health insurance policies available in Pennsylvania

PA temporary health insurance may only cover certain groups or conditions. It is extremely helpful to know the intended purpose of a given policy before studying it in detail.

I recommend: Find a brief description of different temporary health insurance plans in Pennsylvania at AAA. They provide health insurance for the East Central United States including Kentucky, New York, Ohio, Pennsylvania and West Virginia.

Apply for personalized quotes on temporary health insurance by location

You can get a more meaningful initial quote by providing some information about yourself when applying for temporary health insurance. Pennsylvania has websites that will forward your application form to many health insurance companies.

I recommend: Complete the application form on the McGrath Insurance Group web site. They specialize in temporary insurance for Pennsylvania residents.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Review any prospective policies for a provision that would extend your coverage beyond the stated expiration date of the temporary medical insurance. Pennsylvania temporary health care plans will often cover total disabilities until other conditions have been satisfied. These can include paying a maximum benefit, reaching a certain time beyond the expiration date or when treatment is no longer required. Many plans will also provide a fixed benefit for partial disability after the policy expires.