MedPay is an option on your auto insurance policy. If you are injured in a car accident (your fault, or a third party’s fault), MedPay will pay for all medical bills up to a set amount (usually $5000 or $10,000).
Why should you care? When a patient comes into my office, the first thing I want to do is help them feel better and recover from their accident. The LAST thing we want to worry about is the bills at the end of the case.
Unfortunately, in today’s world, the auto insurance companies have dug in their heels and refuse to adequately reimburse you for your medical expenses. This will often result in part of your bills not being covered and creates out-of-pocket expenses to you. Sadly, as a doctor, I can tell you it sometimes leaves patients frustrated and it can ruin our relationship. This is not a mistake…it is a well-executed plan by the insurance industry.
So the best answer is…an ounce of prevention. A MedPay option is inexpensive. $40-60 more per year is all it costs. And it saves both you and I a lot of headaches. You don’t have to worry about your bills, because they will be covered. And I don’t have to worry about collecting from you after your case has settled.
One last thing: If you call your auto insurance provider and ask to add MedPay coverage, make SURE it does NOT say “excess”. Get the regular MedPay and tell your agent you do not want excess coverage.