Medical Payments, often called MedPay, is a great insurance to have when you need it. It covers a wide variety of situations from ambulance fees to surgery. Having the added benefit of money to pay for your health insurance co-pays can be a relief to many of us.
It can also be quite confusing when you don’t know the process you need to take. Not knowing the process to become covered by MedPay can mean quite a few medical bills get passed on to you. It can become quite stressful in the end, especially if you don’t have the money to pay the bills.
Having the extra insurance coverage can easily mean saving money in the long run, which is something we all want at the end of the day. Let’s take a look at MedPay and how it works so you can get the proper coverage for what you need.
“What Does it Cover?”
MedPay covers quite a few scenarios when it comes to your health and well-being. It covers EMT and ambulance fees hospital visits and stays along with doctor visits, surgery and X-Rays, professional nursing services and care, prostheses, and more.
It also covers dental procedures that are needed because of the accident, injuries you get while walking or on a bicycle if a car hits you, and funerals. It follows you wherever you go, whether you are in a friend’s vehicle, walking, or using public transportation. It also applies if you move out of state.
One thing it does not cover is equipment attached to your vehicle. It will cover your vehicle but not trailers or the like.
“How Does It Work?”
MedPay works in two ways: through a direct reimbursement as your primary coverage or as a supplement to your existing health insurance coverage. It will depend on whether you live in a no-fault state and your automobile/home insurance policies.
Major insurance agencies aren’t able to provide a conclusive answer to this question; GEICO considers health insurance the primary coverage while Progressive and State Farm indicates that MedPay would pay out first.
Check with your insurance agency to make sure. If you have medical bills that are covered under MedPay, they would pay the bills up-front and the auto insurance agency would pay them back.
If MedPay is secondary, your health insurance would pay for most of the bills and you can use MedPay for the deductibles or co-pays. That way, you can have your health insurance kick in.
“How Much Does It Cost?”
With MedPay, you don’t have to worry about co-pays or deductibles for the insurance itself. The most common coverage limits for MedPay are $1,000, $2,000, $5,000, $10,000, and $25,000.
GEICO offers more limit options on the lower end of that range (from $500) and in $1000 increments from $1,000 to $5,000.
State Farm offers more limits on the higher end, including medical payments up to $50,000 and $100,000.
Greenville, NC Personal Injury Attorneys
I’m Brian Ricci, a Personal Injury Lawyer in Greenville, NC. If you have suffered a personal injury, please call me anytime at (252) 777-2222 or 1-800-387-6406 for free, friendly advice. Let’s go over the details of your accident case over the phone and see how best to proceed. The call is free and there is no obligation to you.
I am a longtime member of the Million Dollar Advocates Forum.