Short Term Health Insurance can help you if you find yourself caught without health insurance outside of the annual Open Enrollment period. It can also help you if you find yourself needing temporary coverage for just a couple of months. Some short term plans offer co-pays for doctor’s visits, a prescription drug card, telemedicine visits (video chats), accident riders and dental coverage. A limited amount of adult preventive medicine is now covered by some policies. It is best to have a Short Term Health Insurance policy in place to make sure you stay protected in the event of an emergency.