My recommendation would be to sign up for coverage as soon as possible. As a broker, the biggest mistake that I find people make, is going to see a doctor and get tests while not insured.

If you go get a physical and the Doctor find something wrong with you, this will most definately be put in your medical records. Same goes for all the tb, meningitis, and other tests. If you are diagnosed with anything while uninsured, it will be much, much harder to get insured (or expensive). My advice would be to put a policy in place "just in case"

I recommend putting a normal health insurance policy into place as opposed to a temp policy, if you want it for immunizations, tests, and a physical. Health insurance is set up on a unilateral contract. This means that you can cancel at anytime. So, you can sign up this month for a policy, and cancel in a month, two,three, etc.

Short-term insurance won't pay for immunizations, tests, or a physical exam. Short-term is set up like a one deductible plan. You have one deductible you have to meet. After this, many policies offer 100%, 80% and 70% coinsurance.

I hope this was helpful!