Medical Payments Coverage (MedPay)
Medical Payments Coverage — also known as MedPay — helps pay for medical expenses for you and your passengers after a car accident, regardless of who is at fault. It can cover costs like hospital visits, surgeries, ambulance fees, and even funeral expenses.
What Does MedPay Cover?
MedPay typically covers the following accident-related medical expenses:
- Doctor or hospital visits
- Surgery or X-rays
- Ambulance and emergency services
- Dental treatment related to the accident
- Prosthetics and rehabilitation
- Funeral expenses (in fatal accidents)
How MedPay Works
After an accident, MedPay kicks in quickly to cover eligible medical costs. It can work as primary or secondary coverage depending on your health insurance plan. Unlike PIP, MedPay does not cover lost wages or child care expenses.
Do You Need MedPay?
MedPay is optional in most states but can be helpful if:
- You have a high-deductible health insurance plan
- You want help with out-of-pocket expenses
- You frequently have passengers in your car
- Your state doesn’t require Personal Injury Protection (PIP)
MedPay vs. Personal Injury Protection (PIP)
While both cover medical costs, PIP is broader. MedPay does not cover:
- Lost income
- Essential services (e.g., housekeeping)
- Childcare or rehab-related transportation
Compare your state’s requirements to determine if MedPay or PIP is right for you. Some drivers carry both.
Is MedPay Required?
MedPay is not required in any state, but some insurers may include it by default. You can typically add or remove it from your policy as needed.
How Much MedPay Coverage Should You Buy?
MedPay limits typically range from $1,000 to $10,000 per person. Higher limits may be available depending on your insurer. Choose a limit based on your health insurance coverage and personal risk tolerance.