What is Med Pay (Medical Payments) Explained by Clarksburg Accident Attorney
If you are ever in a car accident, medical payments coverage will cover medical bills for you and your passengers. It may work in conjunction with or in lieu of your health care coverage, depending on your health care policy.
Med Pay Auto Insurance Basics
Med pay is an optional coverage in West Virginia. It covers the following.
- Medical bills not covered by your health care plan. This can include expenses such as your deductible, ambulance bills, chiropractic care, dental prosthetics, etc.
- It follows you, not the car. That is, it doesn’t only cover you while you’re driving your car, but also when you’re in someone else’s car, walking, biking, etc.
- It covers you regardless of who was at fault for the accident.
- The cost of med pay coverage is generally very little.
- There is no deductible for med pay. It kicks in the moment you are injured.
- If you already carry personal injury protection (PIP), med pay can pick up the deductible you’d normally have to pay for your PIP to kick in.
Christy Moulton Perry, director of product management for Great Northwest Insurance Co. gives a helpful example to Bankrate: "[I]f your health insurance has a $1,000 deductible, a 20 percent co-pay, and you have a $5,000 medical claim from an accident, with your health insurance you would typically pay $1,800 out of pocket. But with your MedPay, you would pay zero out of pocket. That's a big difference."
Med pay may or may not be right for you; it depends on several factors. Speak to your insurance agent to learn more.
Consulting an Attorney in Clarksburg at Miley Legal Group
If you were in a serious auto accident, run your case by an attorney to determine your legal options. For help in the Clarksburg area, contact the Miley Legal Group at 304-931-4088 for a free consultation.