What is Med pay coverage?

 

Med pay coverage is also known as medical payments coverage. Medical payment coverage is an optional type of insurance coverage. Medical payments coverage helps the policyholder to cover the medical expenses and hospital bills related to accidents. If you want to cover the medical expenses of injuries to you and your passengers then you need to purchase medical payments coverage. Medical payments coverage also covers the medical expenses of injuries other than car accidents.

What is covered by medical payments coverage?

The following are the expenses that are covered under the medical payments coverage.

1. Ambulance expenses and EMT

Medical payments coverage helps to cover ambulance expenses and EMT.

2. Expenses related to hospital bills

Medical payments coverage helps to cover the medical expenses and hospital bills of you and your passengers in case of an accident no matter who is at fault. You can cover the transportation expenses to medical appointments if you got injured in the car accident, only if you have medical payments coverage in your auto insurance policy.

3. Expenses related to surgery and X-Rays

You can cover the expenses related to surgery or X-Rays if you are insured under the medical payments coverage insurance.

4. Funeral expenses

Medical payments coverage also helps to cover the funeral expenses and also provides other death-related benefits if someone got died in a car accident.

If you are driving your friend’s car or you are walking on the road and got injured then medical payments coverage covers the medical expenses for the treatment of your injuries. Medical payments coverage does not apply to the trailers or other types of equipment attached to it. Medical payments coverage also protects you when you are out of state.

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Do you need medical payments coverage?

You are required to purchase medical payments coverage if you live in a no-fault state. It helps to cover the medical payments caused in an accident regardless of who is at fault. Medical payments coverage is mandatory to purchase by the driver in some states of the USA. Following are the states where drivers are required to purchase medical payments coverage as a part of your car insurance policy:

1. Arkansas
2. Delaware
3. Florida
4. Hawaii
5. Kansas
6. Kentucky
7. Maryland
8. Massachusetts
9. Michigan
10. Minnesota
11. New Jersey
12. New York
13. North Dakota
14. Oregon
15. Pennsylvania
16. Utah

If you live in a no-fault state then you are not required to purchase medical payments coverage in your auto insurance policy. You can purchase medical payments coverage according to your requirement. Most of the car insurance companies provide medical payments coverage with coverage limits of $5000 or $10000 or $25000.

When you file an insurance claim to cover the medical expenses, there are two methods of recovery of the claim. The car insurance company directly pays your medical expenses to doctors. Most car insurance companies reimburse you for the medical expenses and hospital bills paid for the treatment of injuries in case of an accident. 

If you have health insurance, do you need medical payments coverage?

Health insurance helps to cover the medical expenses related to your health. Some health insurance policies do not cover the medical expenses of injuries caused by car accidents. In this, you need to check the details of your health insurance policy. If your health insurance policy covers the medical expenses for the treatment of injuries caused in case of a car accident then you do not need to purchase medical payments coverage. It will just add to your expenses. The need for medical payments coverage also depends upon the state where you live. If you live in a no-fault state then you are required to purchase medical payments coverage even if you have a health insurance policy. 

If you have personal injury protection do you need medical payments coverage?

In no-fault states, you are required to purchase personal injury protection or medical payments coverage. If you have personal injury protection coverage then you do not need to purchase medical payments coverage. Personal injury protection coverage helps to cover the following expenses:

1. Lost wages due to disability
2. Hospital bills and medical payments
3. Expenses related to rehabilitation
4. Childcare expenses
5. Funeral expenses
6. Expenses related to hospital visits
7. Professional health services, etc.

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