Ok so I have no insurance and to get under my husbands employer insurance I have to wait until enrollment in November so anyway I need some insurance now for dental and primary cause i need to go to the doctor I saw online at short term insurance but I don't unas it ? It says something about deductible and it says $5,000 and then monthly payment like $130 I don't get the deductible part does that mean I need to pay $5,000??? Or does anyone know how this kind of insurance works ?