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Short-Term medical policies can provide an affordable safety net for those who are transitioning from one life event to another without a basic major medical plan. Depending on the short-term plan, benefits can be wide-ranging, with some policies providing up to $5 million in individual coverage. Just as the name implies, these health insurance policies are a temporary solution to a short-term insurance gap.
Most plans last one to six months or one to 12 months. The application process is simple and policies can be issued the next day. Most insurers take credit card payments.
The most important thing to remember is that a short-term plan is not designed to cover pre-existing conditions. These are typically defined as any condition you had during a prior period of time prior to the start of coverage. The "look-back" period for these health conditions can vary by state. It's important to answer the health questions on the application honestly. Otherwise, you could wind up with a denial of any treatment related to your pre-existing condition