When people may consider it
- Between jobs or employer plans.
- Waiting for other coverage to begin.
- Facing another temporary coverage gap and able to qualify.
Limitations to examine
- Pre-existing-condition exclusions and medical underwriting.
- Benefit caps, exclusions and services that are not covered.
- Network rules, prescriptions, maternity, preventive and mental-health coverage.
- Policy duration, renewal rules and the exact termination date.
Not equivalent to comprehensive coverage: short-term plans can exclude conditions and benefits that major medical plans cover. Read the policy and compare alternatives before enrolling.
Evaluate a temporary coverage gap.
Tell Shane when current coverage ends and what begins next.