Short-term health insurance plans are designed for those who know for certain that they will be receiving long-term, permanent health insurance in the near future. Short-term health insurance plans should never be used as a substitute for comprehensive, permanent health insurance plans purchased privately or provided by an employer. Typically, short-term health insurance plans will allow term limits of 1-6 months.
The medical procedures covered by short-term health insurance plans tend to be only those that are medically necessary resulting from unexpected illness or accidental injury. Short-term health insurance plans will not cover costs associated with routine health care, preventive health care and immunizations or dental and eye care. Moreover, short-term health insurance plans provide health insurance coverage for a limited time frame and once that period has passed, it may be difficult to purchase additional, permanent health insurance plans depending on the condition of your health.