Being a moth late on immunizations bad?

our daughter is almost five months old. up until now we've been having problems with out insurance, but we got it straightened out finally, but she wont be covered until the fifteenth of july. she hasnt had her four month shots yet, but ive aleady made an appt for the 16th for her well baby and immunizations. ive heard of people totally waiting on all immunizations until their child is 2 or 3, and while i dont agree with that, it being a month off on her immunizations going to cause any long term damage???