Short-Term Medical Insurance – Temporary Coverage

Short-term medical insurance provides temporary health coverage during transitions — between jobs, after losing COBRA, or while waiting for other coverage to begin.

What Short-Term Plans Cover

• Doctor and urgent care visits
• Emergency room care and hospitalization
• Surgery and anesthesia
• Diagnostic tests and labs

What They Don't Cover

• Pre-existing conditions (typically)
• Maternity care
• Mental health and substance abuse services
• Preventive care (varies)
• Prescription drugs (limited, varies by plan)

Is Short-Term Coverage Right for You?

Short-term plans are best suited for healthy individuals who need a temporary bridge. They're not ACA-compliant, so they don't have the same consumer protections. For most people, ACA marketplace coverage with a Special Enrollment Period is a better option if you've experienced a qualifying life event.

Peter can walk you through all options and help you decide which coverage type fits your current situation.