Short-term medical insurance can provide temporary coverage for your medical needs. These policies can last for several months up to a year. However, short-term insurance does not cover routine medical needs such as preventive care, pre-existing conditions, or dental, vision, or hearing.
These plans are meant to provide coverage during certain periods, such as if you are between health plans, you are not in an enrollment period, or you need coverage in the event that there is an emergency.
What does it cover?
The coverage involved with short-term policies vary. However, they typically provide coverage for:
- Emergency and urgent care
- Doctor visits
- Hospital stays
- Surgeries because of illness or injury
- Lab services
- Some policies may also offer prescription drug coverage
However, short-term insurance does not cover routine medical needs, such as pre-existing conditions, dental, vision, or hearing.