Does short term medical insurance work for you? If it’s for a temporary medical coverage plans, then yes. However, short term health insurance coverage has limited coverage, it won’t cover your pre-existing conditions. Typically, they do not cover maternity care or mental health. Short term medical insurance is intended for short periods only. Most are sold in few months increments for up to 364 days, maximum. Also, short term medical insurance is non-renewable, this means you’ll need to go through the application process when your coverage period expires if you want to continue coverage. The downside of this is, claiming during the coverage period may result in higher premiums on a new policy.