Our Experience
Throughout the history of our practice, we have run into a multitude of scenarios in which our clients have been injured in auto accidents and have sought our care, but have run into unnecessary challenges when utilizing health insurance as a means to pay for their care. It has been our experience that patients who have opted to have medical payments coverage, or MedPay, added to their car insurance have been able to access the funds needed to cover their medical expenses in a more timely fashion.
What sets MedPay apart from regular coverage?
MedPay is distinguished from standard coverage benefits because it can be applied not only to the individual whose name is on the policy, but also to family members and passengers who may be in the insured vehicle at the time of an auto accident. Furthermore, individuals with MedPay can get help covering their medical expenses if they are injured while walking, riding with another driver, or even on a public transportation system. MedPay does not bear a deductible or co-pay.
How can MedPay help?
From our experience, drivers who are involved in accidents with uninsured drivers and who do not have MedPay can end up being responsible for all of the expenses—medical and otherwise—incurred by the accident. Even in situations where both drivers are insured, many of our clients have had to jump through unnecessary hoops and delays to get their costs covered by the other party’s insurance company. MedPay is immediately applied to medical and health insurance expenses. It covers a multitude of fees—including chiropractic care—that traditional health insurance does not.
MedPay requires a minor premium, often times between $10 and $20 per month, to receive between $5000 and $10,000 worth of coverage. While we understand the desire to reduce the cost of car insurance, we have come to view MedPay as a worthwhile investment.
Further Research
“Why You Need MedPay in Car Insurance.” Bankrate. N.p., 28 Apr. 2011. Web. 12 May 2016. <http://www.bankrate.com/finance/insurance/why-you-need-medpay-in-car-insurance-1.aspx>.