Med Pay Insurance

If you ever asked yourself "do I need medical payments auto insurance coverage?" then read this article.  Medical Payments Coverage is typically called "MedPay" or "Personal Injury Protection", or just "PIP". This coverage usually pays your medical or chiropractic bills, and possibly bills from other alternative care if you are hurt in a car accident. It pays regardless of fault, so you can go to your chiropractor and have your bills paid even if there is a dispute about who was at fault.  This is an important topic to learn about when dealing with auto insurance companies.

MedPay coverage on your car insurance is much broader in the kinds of bills it will pay than your health insurance. But it is far more limited in amount. Usually, the amount that your insurance will pay is capped at a certain level you choose, with $1,000, $2,000, $3,000, and $5,000 limits being common. (Insurance companies in Arizona will commonly place a lien on your third party case when you exceed $5,000.00 of med pay.)

Why Should I Have MedPay Coverage When I Already Have Health Insurance?

Health Insurance does not ordinarily cover chiropractic, and MedPay almost always does. You are not limited to the doctors or type of care you select. You choose the doctor that is best for you. You choose the chiropractor, and can continue as long as necessary to get well, up to the limits of your policy.  MedPay insurance greatly increases the chances that you will be fully compensated for your injuries.  Thus, obtaining med pay on top of health insurance is proper coverage.

What kinds of bills will MedPay pay?

It should pay any bill that is reasonably related to reasonable and necessary care for injuries from car accident. It may even apply if you are a passenger in someone else’s car.  Chiropractic or other alternative care bills are often submitted and paid by MedPay. Because your coverage is so broad, you may be tempted to submit all your bills, but have a limited amount of coverage, you must use it wisely. We recommend that you use your MedPay coverage for things that are not paid by your health insurance, like chiropractic bills, or other alternative care.

What Bills Should be Submitted to MedPay?

If you have health insurance, try to submit as many bills as possible to your health insurance. Your health insurance, even HealthNet, will almost always pay for your ambulance, and emergency care at another hospital.

Do I need medical payments auto insurance coverage in Arizona?

The best coverage is called "Non-Reimbursable MedPay"; only a few companies offer such coverage automatically. For other carriers, you must specifically ask for "Non-reimbursable MedPay". This kind of coverage pays your medical bills after an auto accident, and you DO NOT have to pay it back to your insurance company if you get money from the at-fault driver’s company.  Ask your auto insurance company for this coverage when choosing coverages.

How Much MedPay Should I Purchase?

If you do not have health insurance, you should buy the maximum amount available. Even if you have health insurance, think of the chiropractic care you will need if you have a "soft tissue" type injury. The law requires you to have at least $15,000 of liability coverage to protect others. Does it make sense to have less for you? If you have to go to the chiropractor because of a back or neck injury, you can expect a $3,000 to $5,000 bill. If you go to the hospital after the accident, your total bill could be much higher. Hence, if you are still asking yourself "do I need medical payments auto insurance coverage?" this is why medpay is important. I believe you should have at least $5,000 of MedPay coverage. I see people with more coverage, such as $10,000 quite frequently.

Contact an Attorney

If you are still asking yourself "do I need medical payments auto insurance coverage" do not speak your insurance agent. Call an attorney or speak to someone who has been in a car accident and had to pay most of his or her recovery to the medical providers!