What Is Med Pay?

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Medical Payments (MedPay) Insurance is a special type of insurance that helps to cover your medical bills in an accident regardless of who is at fault. These payments are there to help you and any passengers in your car get the medical assistance needed to recover from an accident or auto-related injury. Not all insurance companies offer MedPay and it’s usually added as an additional benefit that you have to pay for. Most MedPay coverage limits are fairly low so it’s not uncommon to receive between $1,000 to $5,000 in coverage on a single policy.

How MedPay Helps Insurers

While policies differ, Med Pay will generally cover your medical expenses up to your coverage limit when you’ve been involved in any type of accident. This includes walking, riding a bicycle, public transportation, or taking a trip in your friend’s car. No matter where the accident occurs, you’re typically covered under your MedPay policy. Additionally, the policy usually doesn’t come with a deductible or a co-pay so your treatments are often completely covered.

Do I Need MedPay?

The cost of Med Pay is often nominal and will typically only add a couple dollars a month to your insurance policy. It’s not a required coverage, so you don’t have to maintain MedPay coverage to legally drive. Many people mistakenly believe that because they have health insurance, they don’t need MedPay.

Many health insurance policies have strict limits on the amount they will cover in the event of an accident. Additionally, if you find yourself in need of care while waiting for an insurance settlement, your MedPay coverage ensures that you’ll get the help you need. The premium for Med Pay is so small and the benefits so numerous that it doesn’t make sense to not include Med Pay on your policy.

What MedPay Covers

Med Pay will cover treatment that your health insurance might not touch. Ambulance fees, dental care, chiropractic care, dental, physical therapy and funeral expenses are all typically covered under the policy. Med Pay can even kick in and pay the copay on your personal injury protection policy if you live in a no-fault state.

If you’re ever in an accident, a single $10,000 limit policy would more than pay for itself even if you ever find yourself in need of the coverage. According to Bankrate.com, a $10,000 dollar MedPay policy often costs less than $20 per year.

Suffice to say, this is one type of insurance that if you need it, it will probably pay for itself.

Restrictions With Med Pay

If you receive a settlement from your insurance company, they will likely deduct the MedPay benefit from your final award. In some cases, you might also need to get an personal injury lawyer can count on involved if the insurance company deems that you no longer need MedPay coverage to cover your medical treatment. This can occur if you’re involved in physical therapy or another prolonged form of therapy that would stretch the limits of the policy.

The insurance company may also request to review any medical reports regarding prolonged, long-term use of the coverage. Generally, your treatment provider will provide the necessary documentation to process your claim and continue getting treatment. Med Pay is ideally used for immediate emergencies directly resulting from an accident.

Final Considerations

The cost of Med Pay is nominal and can greatly help reduce your financial burden in the event of an accident. Even if you’re expecting a settlement and the other insurance company has admitted fault, it can still take some time to receive your settlement money. In these cases, you’ll likely be grateful that you didn’t decline your extra coverage.

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Cohen & Cohen has an  impeccable Client Satisfaction Rating with hundreds of
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L Proctor
August 30, 2022.
My experience with Cohen &Cohen was beyond my expectations. Jill did an amazing job with negotiating on my behalf and got me way more money than I anticipated. Thank you for having my back.
Ebony Stoutmiles
June 23, 2022.
To say that I am happy with the outcome of my case is the understatement of the century! Jill Stanley is a BEAST at what she does. That is the only way to explain it. She takes no prisoners. She and her team are very skilled and knowledgeable. I am so happy I trusted them to do their job and rolled with Jill's suggestions. I would choose Jill again 100 times. She settled my case for more than I imagined I would receive. I was literally in tears. It is the best feeling to know my pain isn't for naught. Wayne Cohen and Kristopher Yorke were nothing short of amazing. They have the patience of saints. I'm 100% certain that I got on their last nerves with my frustration and tears at every other call I had with them. Being in pain and wanting to just be able to heal was all I could focus on, but they helped me realize that I also had to focus on the bigger picture (the case) so I could put this piece behind me. As a high-strung individual with anxiety, it was hard for me to not worry and let them do their jobs, but they reassured me all of the time that they had this. To be injured before the start of the pandemic and have to receive regular, weekly treatment while others are able to stay home is anxiety inducing. I was in pain, I was anxious, and I was just hoping it all worked out. It more than worked out. I hope Jill, Siri, and Kris know how much their hard work and "hanging in there" meant to me. I am eternally grateful. I can't recommend you all enough. If you choose this law firm, you won't be sorry!
Beloved Temple
June 3, 2022.
I was very pleased with the handling of my case and settlement with Cohen& Cohen. I appreciate them, would highly recommend them.
willie howell
May 25, 2022.
COHEN & COHEN ARE THE BEST I WAS INVOLVED IN A REAR END CAR CRASH AND 2 YEARS LATER I HAVE RECEIVED MY SETTLEMENT I AM VERY EXCITED TO SAY BRYAN!!! IS THE MAN HE INSURED THEY WILL TAKE CARE OF ME AND THEY DID 100% ANY QUESTIONS I ASKED THEY WERE ANSWERED. Jill and SIRI WAS ALSO REMARKABLE AND SHOWED THEY REALLY CARED I RECOMMEND COHEN &COHEN TO ANYONE THEY ALSO MADE SURE I GOT MORE THAN EXPECTED WHICH WAS AMAZING I APPRECIATE YOU GUYS THANK U💯
Jose Rivera
May 25, 2022.
The legal team at cohen & cohen did a great job I really appreciate the hard work on gating my compensation in a fair amount of time. Special thanks to Kris for a wonderful job
Lea Harvey
May 25, 2022.
I had a great experience with the team at Cohen & Cohen. From my intake attorney, Adam, to the paralegal, Bryan, who worked with me regularly for months to document and prepare my case, to Jill, the attorney who secured my settlement, I feel fortunate to have had their representation and expertise on my side.
Cameron Galloway (HustleDaGod)
May 19, 2022.
Kris was phenomenal. Spectacular communication & knowledge in regards to my case. Would definitely return if I needed more legal services. 100% definitely recommend.