“Med Pay”: Everything You Need to Know

While every state requires vehicle owners to have an auto insurance policy, the same can’t be said for ‘Med Pay’. What is ‘Med Pay,’ you may be wondering – a great question!

Med Pay is coverage that’s part of an auto insurance policy. Short for ‘medical payments coverage,’ “it may help pay you or your passengers’ medical expenses if you’re injured in a car accident, regardless of who caused the accident.”

This coverage is optional and it isn’t available in all states.

What does med pay cover? Imagine you get into a car accident that results in injury to you or another person. Med Pay may cover:

  • Doctor or hospital visits
  • Professional nursing services
  • Surgery, X-rays or prostheses
  • Health insurance deductibles and copays
  • Ambulance and emergency medical technician fees

Med Pay may also cover medical bills if you or one of your family members is hit by a car while on foot or riding in someone else’s vehicle.

Do I need Med Pay? Most states offer Med Pay, but there are a few that don’t, including Oregon, Minnesota, New York, and North Dakota. Medical payments coverage IS required in:

  • Maine
  • Pennsylvania
  • New Hampshire

Essentially, this type of policy is great if you frequently drive passengers who aren’t part of your immediate family. Remember, Med Pay applies to anyone riding in the car at the time of the accident.

You may think you don’t need Med Pay if you already have health insurance…but the two aren’t mutually exclusive. Med Pay can serve as a safety net in case you exceed your health plan’s limits or receive charges the plan doesn’t cover, including chiropractic care or an ambulance ride. Med Pay may also help to cover your health insurance deductible or co pays incurred for car accident treatment.

Plus, Med Pay typically doesn’t cost that much more on top of your other insurance policies. It may run you an extra $10 per month, more or less depending on your state of residency. For whatever the cost may be, it will definitely give you extra peace of mind.

Learn more about our insurance policy offerings at the Ambassador Group today. We’re here to help you pick the policy that’s best for you!

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