Medical Payments

2018 05 29 Medical Payments Coverage Doctor With Stethoscope

What is Medical Payments Coverage?

Medical Payments is an optional car insurance coverage that helps take care of you and your passengers’ medical bills resulting from a covered accident, regardless of whose fault the accident is.

Real life example:

You decide to bike to work and someone forgets to check blind spots before changing into your lane. You get hit, fall to the ground, and hit your head. While you feel mostly okay, the paramedics on the scene take you to the hospital to get a CT scan. Unfortunately, it’s only your third week on the job and your insurance hasn’t kicked in yet. Luckily you added Medical Payments coverage to your policy and it helps cover the bill covered under the policy.

Do I Need Medical Payments Coverage?

Medical Payments coverage is not required, so it’s really up to you if you want it. But it should provide you with some peace of mind. If you don’t have health insurance, we recommend purchasing a policy with Medical Payments coverage included. If you do have health insurance, see our advice below.

What Does Medical Payments Coverage Cover?

Medical Payments coverage can help pay for any driver or passengers’ medical, dental, or funeral expenses caused by an accident, regardless of who was at fault, up to the limit of the coverage. This may include:

  • ambulance fees
  • x-rays
  • hospital stays
  • nursing care

At Say, we offer the following Medical Payment coverage limits:

  • $2000 per person
  • $5000 per person
  • $10,000 per person

If I Have Health Insurance, Do I Need Medical Payments Coverage?

Even if you have health and dental insurance, Medical Payments coverage may be worth adding to your policy. You'll want to understand the difference between Medical Payments coverage and health insurance. A good thing to look at is how your health insurance plan is structured and make sure accidental-related health care is included in your plan.

Another thing to consider is your health insurance co-pays. If they seem high, or you’re concerned they could add up quickly after an accident, Medical Payments coverage may be worth the extra cost as it can be used to reimburse you for those co-pays and other items that may not be covered by your health plan.

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