Medical Payments Coverage

What is medical payments coverage?

 Medical payments coverage, also known as “Med-Pay”, provides medical expense coverage for you and anyone else in your vehicle-regardless of who is at fault at the time of loss.  Medical payments coverage may also cover you or your family members should they be injured as a pedestrian or as a passenger in another vehicle.  Coverage varies by state, be sure to talk with your agent about your specific coverage details.

What does it cover?

Medical payments coverage offers protection for a wide variety of medical expenses related to a covered accident.  Your policy will pay up to the selected policy limit for any of the following expenses incurred by either you or your passengers:

  • Ambulance or EMT fees
  • Hospital visits/stays
  • Doctor visits
  • Surgery
  • X-Rays
  • Dental surgery
  • Medical co-payments or deductibles
  • Chiropractic expenses
  • Funeral expenses & more!

I have health insurance.  Why do I need medical payments coverage?

Medical payments coverage may provide coverage where your health insurance plan does not.  For example, your medical payments coverage may cover the expense of any co-payments or deductibles required from your health plan. Medical payments coverage isn’t meant to substitute your health insurance; it’s actually applied as secondary coverage and picks up any deficiencies in your health insurance plan.  When deciding on a medical payment limit, consider your current health insurance plan and find out what it covers in the event of an accident.  As always, discuss your insurance needs with your agent for any guidance on policy related decisions.