What Is Medical Payments (MedPay) Coverage?

Medical Payments Coverage, or MedPay, is insurance that will pay for medical expenses for you and your passengers in the event of an accident, whether you are at fault or not. It will also pay for you if you are the passenger in someone else’s vehicle. Typically covered services include:

  • Hospitalization
  • Surgery
  • Rehabilitation or at-home nursing
  • Ambulance use
  • Health insurance co-pays and deductibles

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What’s the Difference Between MedPay and PIP?

MedPay and personal injury protection (PIP) offer very similar coverage -- they both pay medical expenses for you and your passengers, whether you were at fault or not. There are a few differences, though:

  • Availability: PIP is available in no-fault or tort states, whereas MedPay is an option in most states.
  • State minimum requirements: PIP is required in 12 states -- MedPay is only required in two states.
  • Coverage: PIP covers lost wages while MedPay does not, and MedPay can cover co-pays for other insurance types (such as health insurance).

MedPay Availability by State

MedPay is only available in states that do not require PIP. Only Maine and Pennsylvania mandate that all drivers have it, and New Hampshire residents who choose to get insured must purchase MedPay.

Besides Maine, Pennsylvania, and New Hampshire, most other states do offer MedPay as an option for interested drivers. States that do not offer it at all are: Minnesota, New York, North Dakota, and Oregon.

Is MedPay Worth It?

In most states, MedPay is optional. Adding it to your policy will increase your premiums, which can be tempting to avoid if it is not required. However, injuries from car accidents can be incredibly expensive, and most families are not prepared for this kind of sudden expense. If your medical insurance is not that great to begin with, it is a good idea to consider MedPay so you can avoid undue financial struggle after a serious accident.

Protect yourself and your passengers with medical payments coverage. Enter your zip code now to find the best quotes and save!