Among all the insurance types, PA is the one I care about the most. I have at least 2 very dangerous bicycle accidents. Features ranked in relevance and importance:

1. temporary disability income, given I will be an hourly consultant, but all the plans I know offer the same benefit. So far, the $650/week is the highest I know.
2. medical reimbursement? Statistically most frequently claimed
3. —- rest are secondary —-
4. hospital income
5. TPD? Rare
6. hospitalization? not available in any known plan

Timing? Perhaps wait till the MSIG expires. It’s also fine to start now.

Reply to Chin with billing details. Should be approved right away.