Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Compare medical payments coverage

MedPay coverage can fill the gap between what your health insurance covers and what you still owe.

Updated . What changed?

Fact checked

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.

What’s included with 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 expenses such 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.

Do I need auto insurance medical payments coverage?

If you already have car insurance and health insurance, you might be wondering why you need medical payments coverage. Doesn’t health insurance and med pay pretty much cover 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 deductible or copays.

If you live in Main or New Hampshire, you’re required to have medical payments coverage.

How much does medical payments coverage cost?

The cost of medical payments insurance largely depends on the limit you choose. Med pay limits are typically $1,000, $2,000, $5,000, $10,000 and $25,000, which can result in a monthly cost of $2 to $37.

The lower your limit, the lower your monthly 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.

Compare policies with medical payments coverage

In most states, when you’re shopping for cheap car insurance, you may notice medical payment coverage offered as optional coverage in addition to your car insurance. If you originally declined med pay, you can contact your current insurance provider for more details.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Find basic coverage and low rates through its easy online or app-based experience.
Assurance
Optional
Yes
All states except AK & HI
Your broker is your one-stop shop for comparing any coverage you need.
Car Insurance Finder
Optional
Optional
Yes
All 50 states
Get your customized online car insurance quote from top brands near you. Answer 3 easy questions to see your top picks in seconds.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Enjoy exclusive savings and benefits designed for experienced drivers over the age of 49.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Convenient online quotes, coverage and claims for tech-savvy drivers.
loading

Compare up to 4 providers

What’s not covered with medical payments coverage?

Scenarios that aren’t covered by med pay can vary between insurers and states, so check with your insurer about what Medpay will and won’t pay for in the state where you live. Here are some general expenses that may not be covered:

  • Child care costs
  • Treatment for other drivers in an at-fault accident
  • Wage reimbursement
  • Health problems unrelated to an accident

Does MedPay come with a deductible?

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

Medical payments coverage vs personal injury protection

Med pay is similar to personal injury protection in that it covers medical costs after an accident. However, the policies differ in three main ways:

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

Medical payments vs health insurance

On the surface, medical payments and health insurance might seem like they cover the same thing. But if you look deeper, you’ll find that there are gaps in your health insurance policy that medical payments will fill in.

For example, a typical health insurance policy will cover a stay in the hospital, but it might not cover the ambulance ride to get there if the provider deems the ambulance wasn’t medically necessary. Other situations that med pay can cover that your health insurance usually doesn’t include are funeral costs and injuries sustained by a passenger in your car.

Med pay can also be used toward your health insurance deductible and copays. If you have a health insurance plan with a high deductible and high copay, medical payments coverage can save you money.

Case study: How to pay for medical bills after a car accident

While driving to work, Michelle is rear-ended by another driver who wasn’t paying attention when Michelle had to slam on her brakes because a car darted in front of her. Unfortunately, the accident was bad enough that Michelle is transported to the hospital by ambulance.

After Michelle recovers and is discharged from the hospital, the bills from her stay start coming in. She panics when she learns that her health insurance won’t cover the ambulance ride. Fortunately, she opted for medical payments insurance when obtaining car insurance.

Her med pay will cover the ambulance fee, as well as her steep deductible of $2,500 and high copays. Because of Michelle’s medical payments insurance, she will have no out-of-pocket expenses.

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. Compare your options to find the best price on car insurance before making any final decisions.

Get the cheapest quotes

Compare car insurance companies near you.

Your information is secure.

Frequently asked questions

Read more on this topic

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site