Medical payments coverage insurance |

Medical payments coverage – what is it and how much coverage do I need?

Medical payments coverage can be a useful supplement to your health insurance.

You probably have health insurance, but it may not cover all of your medical costs from an auto accident. Medical payments coverage can help fill in the gaps.

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What is medical payments coverage?

Medical payments coverage or “med pay” helps you with your medical costs resulting from a car accident — no matter who’s at fault.

It covers you and your passengers and can pay for such expenses as:

  • Ambulance fees
  • Surgery
  • Funerals
  • Dental care
  • Prosthetic limbs
  • Hospital visits

Medical payments coverage doesn’t only apply to auto accidents. It can also protect you outside of your vehicle, such as when you’re walking or riding your bike.

Does it come with a deductible?

Med pay doesn’t come with deductibles or copays. In fact, you can use it to pay for your health insurance deductible after an auto accident.

What is a deductible?

The deductible is what you’ll pay before your insurance company will pay a claim.

Let’s say you file a claim to your insurance company for a $5,000 car repair bill. Your insurance covers you for that amount, but it includes a $500 deductible. This means you must pay $500 out of your own pocket before your insurance will cover the other $4,500.

How it’s different from personal injury protection

Med pay is similar to personal injury protection in that it covers medical costs after an accident. The policies differ in many ways, however, such as:

  • Med pay doesn’t have deductibles or copays. PIP does.
  • PIP covers more costs — such as lost income and psychiatric services.
  • Both are mandatory in different states, but PIP is required in more states.

Medical payments coverage in action

As a result of an auto accident, you need a $7,000 medical operation. You have health insurance, but it comes with a $1,500 deductible and a 20% copay. In total, you’re looking at an out-of-pocket expense of $2,900.

Luckily, you’ve purchased medical payments coverage that pays for your deductibles and copays. Instead of paying $2,900 for your operation, you pay nothing.

Why should I buy medical payments coverage?

If you already have health insurance, you might be wondering why you need medical payments coverage. Aren’t they pretty much the same thing?

Though there will be overlap between the two, they don’t provide the same coverage. In fact, there are many costs your health insurance may not cover, such as prosthetic limbs, ambulance fees and funeral expenses. Medical payments coverage will take care of those costs. It can also pay for your health insurance deductibles or copays.

If you live in Maine, you’re required to have medical payments coverage. You’re also required to have it if you buy insurance in New Hampshire.

How much does medical payments coverage cost?

Adding medical payments coverage to your insurance policy typically costs around $5 a month. In total, you’ll probably pay less than $100 a year.

How do I buy medical payments coverage?

Your current insurance provider will offer medical payments coverage — contact them and ask for more details.

Don’t be afraid to shop around for the best price.

Providers that offer medical payments coverage

Rates last updated February 22nd, 2018
Details Features
Esurance offers a modern online and mobile experience that helps you take your insurance on the go.
  • CoverageMyWay® helps you make smarter choices
  • Gain peace of mind with 24/7 claims service
  • Manage your policy on the go with Esurance Mobile
Get Quote More info
Allstate Auto Insurance
Allstate Auto Insurance
With a range of coverage options at affordable prices, Allstate auto insurance can be personalized to your needs as a driver.
  • Reward System for Safe Drivers
  • Bumper-to-Bumper Basics® Tool
  • Comprehensive Tools to Design a Customized Insurance Plan
Get Quote More info
Liberty Mutual Car Insurance
Liberty Mutual Car Insurance
Car insurance through Liberty Mutual will give coverage options for almost any situation.
  • Multi-car discount
  • Bundle discount for combining auto and home policies
  • New vehicle discount
Get Quote More info

Bottom line

Medical payments coverage can be a useful add-on to protect you from unexpected medical costs. As a bonus, it doesn’t cost too much more per month.

Find the cheapest rates

Use our magical comparison tool to find providers with the cheapest rates in your area. Enter your zip code below and click ‘Compare’.

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