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February 17th, 2012 by admin

What is medpay?  “Medpay” is the term used to describe the amount of money your automobile insurance will pay for your medical bills following a motor vehicle accident whether you are at fault or not!  You must get this added to your policy if you do not already have it!  Why you ask?  Because, (if you are in a auto accident, you do not want to worry about who will pay for your care!). When you are involved in an automobile accident you want to have the peace of mind to know that your medical care will be covered. Without medpay this can become a very complicated, delayed, and stressful situation if you do not have medpay on your policy.  This is very inexpensive to add to your policy and will save you endless stress and worry. 
CAUTION: even your auto insurance agent may try to discourage you from getting this coverage.  Their job is to save their own company money and medpay saves you, not them.  They may tell you that you don’t need medpay because you have health insurance.  Well, your health insurance may pay nothing or only a small portion of your bills and you will be stuck with the rest if you do not have medpay.  Medpay is there for you!  You can seek the treatment you need from whom ever you choose (not usually an option with health insurance) and you can get the treatment immediately.
What does it cost? Adding medpay to your policy may cost in the neighborhood of $10 to $50 per year! THAT’S IT!  You want $5000 to $10,000 in coverage.  Believe me, just an ambulance ride will eat that up: a bill you do not want to pay yourself when you find out that your health insurance does not ‘cover that particular ambulance company’.
Excess Medpay:  Watch out for this.  If your auto insurance only provides ‘excess medpay’ – switch insurance companies.  This means they will only pay after your health insurance company does.  A paperwork nightmare for you and your providers.  Not worth your time.  Get Medpay ( avoid ‘excess medpay’)  Ask your agent and get the facts.
Still confused?  Doesn’t surprise me, insurance is way too complicated!  Call us anytime and the doctors on staff will be happy to help you make an informed choice.
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