What is Medical Payments (MedPay) insurance, and what does it cover?


Medical payments (MedPay) car insurance covers medical expenses for the policyholder and their passengers after an accident, regardless of fault. MedPay coverage may be added to your car insurance policy for as little as $10 per month. Medical payments (MedPay) is only required in a few states, but it may be beneficial to cover gaps in insurance.

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UPDATED: 2021-11-08T13:10:58.379Z
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What You Should Know

  • Medical Payments (MedPay) insurance covers medical expenses for the policyholder and their passengers after an accident, regardless of fault
  • MedPay may cover doctor's and hospital visits, professional nursing services, deductibles and co-pays, and more
  • MedPay is required in only a few states, including Maine, Pennsylvania, and New Hampshire, if you buy car insurance

There are many types of car insurance that provide coverage for various expenses. Medical Payments (MedPay) car insurance is a type that focuses specifically on medical costs.

After an accident, paying for your injuries can be stressful, especially if you don't have health insurance or have gaps in your coverage. Medical Payments (MedPay) can help make sure that you are covered.

Enter your ZIP code into our free quote comparison tool above to find a Medical Payments (MedPay) car insurance company near you.

What is Medical Payments (MedPay) coverage?

## Medical Payments (MedPay) car insurance is a type of coverage that will pay for medical expenses for the policyholder, their passengers, and drivers listed on the policy after an accident, regardless of fault.

MedPay follows you regardless of which vehicle you are driving, riding in, or if you're not even in a car. So, for example, your policy may offer coverage if you are taking public transportation or are a pedestrian.

What does Medical Payments (MedPay) cover?

## The "medical payments" definition may vary depending on your insurance company and the state that you live in.

In general, Medical Payments (MedPay) car insurance will cover:

  • Doctor's and hospital visits immediately following an accident or as a follow-up for injuries caused by the accident
  • Health insurance deductibles and co-pays
  • Ambulance and emergency fees
  • Surgeries, x-rays, prosthetics, and other medical services and equipment
  • Professional nursing services
  • Funeral expenses

However, there are a few things that MedPay won't cover, such as lost wages or home services (childcare or cleaning services) during rehabilitation. It also doesn't provide coverage for people in other vehicles.

For example, if the policyholder causes an accident and another driver is injured, the policyholder's liability insurance should provide coverage for them rather than the MedPay policy.

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How does MedPay work?

## Medical Payments (MedPay) is meant to provide coverage quickly since you don't have to determine fault to have a MedPay claim approved. It also fills the gaps between car insurance and health insurance to make sure you're covered.

MedPay follows the policyholder instead of their vehicle. Therefore, if they are a passenger in a friend's vehicle, they will still be covered if an accident occurs.

In some cases, MedPay policyholders can also be covered if they are struck by a vehicle as a pedestrian, including hit-and-run.

When you file a MedPay claim, how your expenses are covered will depend on your insurance company. You may need to pay some costs out of pocket and then be reimbursed, but some charges may be paid for directly by the insurance company.

How much does MedPay insurance cost?

## MedPay car insurance rates can be extremely affordable. You may be able to find coverage for as little as $10 per month added to your standard car insurance policy.

With that in mind, your car insurance rates will vary depending on which car insurance company you purchase from, the state that you live in, your demographics, your driving record, and more.

Where can I get MedPay coverage?

## Many major car insurance companies offer MedPay car insurance, so you are likely to find a MedPay policy from most companies as long as it is available in your state.

However, some companies offer better coverage, rates, customer service, or other benefits.

GEICO car insurance is a popular choice for lower car insurance rates. USAA car insurance also offers affordable Medical Payments (MedPay) car insurance for members of the military, veterans, and their families.

Travelers car insurance and Progressive Insurance is also known for offering moderately-priced car insurance. Both companies also have a variety of discounts to help you save on your policy.

Because most companies are likely to offer MedPay for affordable rates, it is generally not recommended to switch car insurance companies only to save a couple of dollars.

First, you should look for MedPay coverage in your existing car insurance company and add it to your current policy.

Should I buy Medical Payments (MedPay) car insurance?

## MedPay car insurance is required in only a few states. For example, Maine and Pennsylvania need that drivers have a certain amount of medical payments coverage. In addition, if you purchase insurance in New Hampshire, your policy will include MedPay coverage.

If you expect to have significant gaps in your insurance after an accident, you may want to consider having a MedPay policy. It will make sure your medical expenses are covered. It can also be used to cover expensive deductibles or co-pays.

However, if you have other coverage that will pay your medical expenses, such as another car insurance coverage or health insurance, MedPay car insurance may not be necessary.

If you need help getting Medical Payments (MedPay) car insurance quotes, enter your ZIP code into our free quote comparison tool below.

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