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What is Medical Payments Coverage (MedPay)?

August 14, 2023
Medical Payments Coverage, also known as MedPay, can assist in covering medical expenses resulting from a car accident, regardless of fault. It is optional coverage that may not be offered by all insurance carriers or available in every state.

What does Med Pay cover?

Medical Payments coverage is always in effect for the policyholder, regardless of their mode of transportation. Whether you are walking, riding in a friend's car, or using public transportation, MedPay remains active. However, it is important to note that certain exclusions may apply based on your insurance provider and policy terms. MedPay may help pay for the following expenses:

  • Health insurance deductibles and co-pays
  • Doctor or hospital visits
  • Ambulance and EMT fees
  • Doctor visits and nursing services
  • Injuries sustained as a pedestrian or bicyclist if hit by a car
  • Surgery, X-rays or prostheses
  • Dental procedures needed as a result of an accident
  • Funeral costs

What's the difference between PIP and MedPay?

Personal Injury Protection (PIP) is similar to MedPay in that it helps cover medical expenses for you or your passengers after a car accident, regardless of fault. However, there are three key distinctions between these two types of coverage.

  1. PIP helps cover medical expenses and other types of expenses such as lost wages, child care costs, or essential services due to your injuries after a car accident. MedPay does not.
  2. PIP is sometimes required, and sometimes optional, depending on state law. Medical payments insurance is always optional. Texas requires that auto insurance companies, at the very least, offer PIP and UM/UIM when selling liability insurance.
  3. MedPay is only available in states that do not have PIP.

How does MedPay work if I already have health insurance?

Covering this topic can be challenging as it varies based on your health and auto insurance policies. Initially, Med Pay coverage limits are typically low since they aim to cover immediate medical and funeral expenses or complement other insurance types.

Coverage may overlap so it may depend on how your health insurance policy is structured.

  • If your health insurance covers car accidents and you don't have a deductible, then you don't need MedPay.
  • If your health insurance policies excludes injuries related to a car accident OR you have to pay a deductible, you may want to add Medical Payment Coverage.
  • Additionally, different auto insurers may consider your health insurance policy to be the primary coverage while others may consider MedPay to be the primary which plays a role in who pays first.

Check with your auto insurance company and ask if MedPay works as primary coverage in an auto accident. If it does, you would pay your medical bills upfront and ask your MedPay carrier for reimbursement. You won't have to pay for deductibles or copays, which are typically associated with health insurance.

If your MedPay is considered secondary coverage, then your health insurer would pay for the majority of your medical bills. You could use MedPay to cover your deductibles or copays.

Medical Payments Coverage Limits

There are limits to the amount your insurer will pay for a covered loss. You can choose your limit when you buy coverage. The minimum and maximum amounts available depend on your auto insurance carrier and how much insurance you can afford. Keep in mind that any medical expenses that exceed your coverage limit are your responsibility.

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Jacob s. hughey

Attorney and Partner

Jacob is a compassionate, no-nonsense personal injury attorney. Rest assured, he will fight for the best outcome possible for your injuries.

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Dustin C. Brown

Attorney and Partner

Dustin practices law for the individual because people need a strong voice in their corner.

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