What Is Medical Payments Coverage (MedPay)?
Medical Payments Coverage (MedPay) is an optional type of car insurance that helps pay for medical expenses if you or your passengers are injured in a car accident—no matter who is at fault. It can also cover you as a pedestrian or cyclist if struck by a car.
How Medical Payments Coverage Works
When you add MedPay to your auto policy, your insurer will help cover medical costs from an accident. Coverage applies to you, family members in your household, and passengers riding in your car. Typical covered expenses include:
- Hospital visits and ambulance fees
- Surgery, X-rays, and professional nursing care
- Dental procedures related to the accident
- Funeral expenses (if applicable)
MedPay vs. Health Insurance
Many drivers assume their health insurance is enough, but MedPay can fill important gaps. For example, it can help with deductibles and co-pays, and it pays out quickly without waiting for health insurance processing.
MedPay vs. PIP
Personal Injury Protection (PIP) and MedPay are often confused. Both cover medical bills, but PIP also covers lost wages and essential services, while MedPay strictly pays for medical expenses. Some states require PIP, while MedPay is always optional.
Should You Buy MedPay?
MedPay is usually low-cost (often just a few dollars per month) and can be worth adding, especially if:
- You have a high-deductible health plan
- You frequently drive passengers
- You want extra peace of mind for medical bills
While MedPay is not part of full coverage car insurance by default, many drivers add it for additional protection.
Comparison: MedPay vs. PIP vs. Health Insurance
| Feature | MedPay | PIP | Health Insurance |
|---|---|---|---|
| Fault Required? | No | No | Not applicable |
| Medical Bills | ✔ Yes | ✔ Yes | ✔ Yes (subject to deductible & co-pays) |
| Lost Wages | ✘ No | ✔ Yes | ✘ No |
| Essential Services | ✘ No | ✔ Yes | ✘ No |
| Funeral Costs | ✔ Sometimes | ✔ Yes | ✘ No |
| Coverage Limit | $1,000 – $10,000 typical | Varies by state (often $10,000+) | Based on policy terms |
| Optional or Required? | Always optional | Required in some states | Separate from auto insurance |
Frequently Asked Questions about MedPay
1. Is MedPay required by law?
No. MedPay is always optional, unlike liability insurance which is required in most states.
2. Does MedPay cover lost wages?
No. MedPay only covers medical costs. If you want wage protection, you’ll need PIP coverage (if available in your state).
3. Can I use MedPay if I already have health insurance?
Yes. MedPay can supplement your health insurance by paying deductibles, co-pays, and expenses health insurance doesn’t cover.
4. Does MedPay cover passengers in my car?
Yes. MedPay generally covers passengers riding in your insured vehicle, regardless of who is at fault.
5. How much MedPay coverage should I buy?
Common limits range from $1,000 to $10,000. Many drivers choose a level that matches their health insurance deductible.