If you work full time (year round), you are eligible for benefits including health coverage. I don't believe part time employees get benefits. When I take alittle extra time getting to my next assignment and I won't have pay to cover my insurance premium, I use some vacation time so the money is there to cover the premium. If you plan on taking 3 months off I am not sure you would be considered full time. Probably best to call HR and ask them your options.