The plans provide short term benefits for certain conditions. Preexisting conditions are not covered for the first 24 months of the policy. The carrier can add additional permanent exclusions in underwriting. Call our office if you would like to evaluate long term plans with other carriers that could be potentially added on top of this coverage. No coverage will be in force until you apply with the carrier, receive a policy with benefits. delivery requirements accepted by carrier, and payment processed. Do not cancel any existing coverage if you are contemplating replacement.