How does med pay work

Georgia law requires that the insurance company reimburse you for reasonable and necessary medical and funeral expenses caused by a motor vehicle accident. A MedPay policy does not provide any benefits to people in other vehicles.

MedPay coverage generally provides help with the medical bills of the policyholder, passengers in the covered car, and someone who drives the vehicle with the permission of the owner. By way of example, you carry MedPay coverage on your automobile policy. You are driving to work, carpooling with two coworkers. The driver of another vehicle runs a red light and T-bones your car, injuring you and your passengers. Your MedPay coverage can help pay the medical bills for you and your passengers, but it will not cover the driver of the other vehicle.

An interesting aspect of the coverage your MedPay policy can provide is that you do not necessarily have to be in a vehicle to receive MedPay benefits. Let's say that you carry MedPay coverage on your car. If a car, truck, or another motor vehicle hit you while you were walking or riding a bike, the MedPay coverage of your automobile insurance policy can kick in and cover some of your medical bills, up to the limits of your policy's coverage. Medical Payments Coverage. What Is Med Pay Insurance?

Let us help you. Schedule Your Consultation Now! First Name Required. Last Name Required. Phone Number Required. Email Required. Personal Injury. Family Law. Tell Us Your Story Required. It can act as your primary coverage and provide direct reimbursement. It can also act as supplementary coverage to a pre-existing health insurance policy.

If you use MedPay as supplementary coverage, you may find it to be confusing. Each insurance company determines how it combines the coverage. As a result, you may not know if your health insurance will provide coverage first, with MedPay only providing coverage afterwards, or if MedPay will provide coverage first, with your health insurance covering any remaining costs. All drivers should check their insurance policies after an accident to determine which insurance will provide initial coverage.

Another benefit to using MedPay as a direct reimbursement for medical costs is that you will face no deductibles or co-pays in these situations. You simply pay for your medical costs, and MedPay directly reimburses you. If you use MedPay as secondary coverage, and your health insurance provides coverage first, your MedPay coverage could then help to cover the cost of deductibles and co-pays. Like other types of insurance coverage, a statute of limitations applies to MedPay claims.

The statute of limitations is the amount of time you have to file a claim. Why is this important? Auto Insurance: Types and Purpose of Coverage. Medical payment coverage can also be available to us — similar to uninsured motorist coverage — in situations where we or our family members may not have even been in the covered vehicle when we were injured.

Medpay is an optional coverage in California, as it is in most states — only a few states require it. They may require additional paperwork from your medical provider, typically either in the form of more detailed, itemized charges or in the form of a medical report detailing your injuries and their provided services.

The animated video below explains more about Medpay and how it can help you. Contact Us Free Consultation Search Search Search. Submit a Law Firm Client Review. View More.