Medpay Vs. Other Driver's Insurance: Who Pays First?

Medical Payments Coverage, or MedPay, is an optional car insurance policy that covers medical bills and funeral expenses for the policyholder, their family members, and passengers, regardless of who is at fault for an accident. MedPay is different from personal injury protection (PIP) as it does not cover lost wages or childcare expenses. MedPay is also typically cheaper than PIP, with costs ranging from $2 to $37 per month. MedPay is required in Maine and sometimes in New Hampshire, but is otherwise optional.

MedPay covers medical expenses for the policyholder, their family, and passengers

MedPay, or Medical Payments Coverage, is an optional, inexpensive auto insurance policy that provides a small amount of health coverage on top of health insurance and personal injury protection. MedPay covers medical expenses for the policyholder, their family, and passengers, regardless of who is at fault in an accident. This includes medical treatments, surgeries, procedures, deductibles, co-pays, extended nursing services, and hospitalization. MedPay can also cover emergency medical care, such as ambulance fees, and specific diagnostics and treatments like X-rays and therapy. In the case of a fatal accident, MedPay may cover funeral expenses.

MedPay is especially useful for those with high deductibles or no health insurance, as it can be used for a range of medical expenses. It is important to note that MedPay does not cover lost wages if you are unable to work, medical expenses not related to the car accident, or replacement services for tasks you cannot perform due to injuries, such as housekeeping or childcare.

The amount of MedPay coverage you buy represents the maximum amount available to each person covered under your policy. For example, if you purchase $2,000 of MedPay coverage and you and your passenger are injured in a car accident, you will each have up to $2,000 in MedPay coverage. MedPay is typically sold in small amounts, ranging from $1,000 to $5,000, but it can be purchased in higher amounts.

MedPay covers medical expenses for other drivers listed on the policy

MedPay, or Medical Payments Coverage, is an optional add-on to an auto insurance policy that covers medical expenses for you, your passengers, and other drivers listed on the policy in the event of a car accident, regardless of who is at fault. This includes medical expenses incurred when you are a passenger in someone else's car or when you are a pedestrian.

MedPay covers expenses such as health insurance deductibles and co-pays, hospital visits and stays, rehabilitation costs, ambulance fees, and funeral expenses. It does not cover lost wages, medical expenses not related to the car accident, or replacement services for tasks you cannot perform due to injuries.

The amount of MedPay coverage you buy represents the maximum amount available to each person who is covered under your policy. For example, if you purchase $2,000 of MedPay coverage and you and your passenger are hurt in a car accident, you will have up to $2,000 each in MedPay coverage.

MedPay is a good option for those without health insurance or with high health insurance deductibles, as it can help cover expenses that are not covered by health insurance. It is also useful if you live in an urban area, as it covers pedestrians who may be injured in an accident. Additionally, MedPay is the only option for those who cause an accident due to alcohol or drug use, as a no-fault insurance policy will not cover you in this situation.

MedPay is available in most states and is required in Maine and New Hampshire. In some states, Personal Injury Protection (PIP) is available or required instead of or in addition to MedPay. PIP offers more coverage than MedPay, including lost wages and replacement services, but MedPay can be used to pay deductibles and co-pays associated with PIP.

MedPay covers medical expenses if you're hit by a vehicle while walking or cycling

MedPay, or Medical Payments Coverage, is an optional auto insurance coverage type that pays for medical bills for you and your passengers, up to your coverage limit, in the event of a car accident, regardless of who is at fault. It can also pay for medical bills if you're hit by a vehicle while walking or cycling.

MedPay is a low-cost option that can offer financial security, especially if your medical insurance doesn't cover all of your expenses following an accident. It can be used to pay for:

• Ambulance fees
• Emergency medical services
• Medical treatments, surgeries, or procedures
• Medical deductibles and co-pays
• Extended nursing services or hospitalization
• Dental procedures
• Specific diagnostics and treatments, such as X-rays
• Funeral expenses

It's important to note that MedPay does not cover wage reimbursement if you have to miss work due to injuries, childcare costs if you're unable to care for a child due to injuries, or medical expenses for the driver of the other car, even if you caused the accident.

In most states, MedPay is an optional add-on to your car insurance policy. However, in Maine and New Hampshire, MedPay is required if you choose to purchase car insurance. In a few other states, MedPay is not available because personal injury protection (PIP) is required.

MedPay covers medical deductibles and co-pays

MedPay, or medical payments coverage, is an optional add-on to an auto insurance policy that covers medical expenses related to vehicular accidents. It is available in most states and is required in Maine and New Hampshire. MedPay covers the policyholder, any passengers in the vehicle, and any pedestrians injured in the accident. It also covers the policyholder if they are injured as a passenger in another vehicle or as a pedestrian, bike rider, or public transportation rider.

MedPay covers a range of expenses, including health insurance deductibles and co-pays, hospital visits and stays, rehabilitation costs, ambulance fees, and funeral expenses. It is important to note that MedPay does not cover lost wages, medical expenses not related to the car accident, or replacement services for tasks the policyholder cannot perform due to injuries.

The amount of MedPay coverage purchased represents the maximum amount available to each person covered under the policy. For example, if a policyholder buys $2,000 of MedPay coverage and both the policyholder and their passenger are injured in an accident, each would have up to $2,000 in MedPay coverage.

MedPay is designed to fill the gaps between auto and health insurance, ensuring that medical bills are paid quickly after an accident. It is often a good investment, even for those with health insurance or personal injury protection, as it can help cover out-of-pocket expenses and provide additional financial security.

MedPay is not required in most states

MedPay, or Medical Payments Coverage, is not required in most states. In fact, it is only required in two states: Maine and New Hampshire. In Maine, car insurance requires a minimum of $2,000 per person in MedPay. In New Hampshire, car insurance is not mandatory, but if you do choose to purchase it, you are required to buy at least $1,000 in MedPay coverage.

In most states, MedPay is an optional coverage type. It is a form of car insurance that pays for medical expenses when a car accident results in injuries to the policyholder, their passengers, or other drivers listed on the policy. It can be used after any accident, regardless of who is at fault. MedPay does not require the policyholder to pay any deductibles or copays.

MedPay is similar to Personal Injury Protection (PIP) insurance, which is required in 15 states and optional in four states and the District of Columbia. PIP covers more expenses than MedPay, including lost wages and replacement services such as housekeeping or lawn care. MedPay is typically sold in smaller amounts than PIP ($1,000 to $5,000, compared to $5,000 to $10,000 per person).

Frequently asked questions