Despite all its benefits – affordability, flexibility, quick access – Temporary insurance isn’t for everyone. You have to remember the main reason these plans are so inexpensive is that they don’t offer the same depth of coverage as major medical plans.

For example, Short Term insurance doesn’t cover people with serious preexisting conditions, which require medications or ongoing treatments. In addition, very few Temporary plans cover prenatal and maternity care or preventive services like immunizations. That’s why it’s always a good idea to carefully read through the terms and conditions of any Temporary insurance plan before applying. Remember, Short Term medical insurance plans are designed to help while you transition between work or find a different insurance provider, but they shouldn’t be confused with a permanent insurance product.