What is Med Pay
Med Pay, or Medical Payments Coverage, is a form of insurance coverage offered by many auto insurance policies that covers the medical expenses of the policyholder and their passengers in the event of an auto accident, regardless of who is at fault. This coverage helps to pay for medical bills such as doctor visits, hospital stays, ambulance rides, and more. It is usually offered as an optional coverage and has a set limit of coverage, often ranging from $1,000 to $100,000.
How do you file for med pay
To file a claim for Med Pay, you will need to contact your auto insurance company and provide them with information about the accident, such as the date, time, and location, as well as the names and contact information for any witnesses or other involved parties. You will also need to provide information about your medical expenses, such as copies of medical bills and any receipts for medications or other related expenses.
Your insurer may also require you to provide a copy of the police report from the accident. Once your claim is filed, your insurance company will review the information and determine if you are eligible for Med Pay coverage.
Your Doctor can Help
All the doctors listed will help you file a med pay claim. In some instances, they will even help you fill out the paperwork. If needed, they will call the adjuster and get the ball rolling for you.
Who can file for med pay?
The policy owner usually calls their insurance company to file for med pay. The insurance company will want to know who was driving, and who are the passengers.
What does Med Pay cover?
Medical payments will cover several different things. It depends on the insurance company and the adjuster and the necessary care. it may cover the following
- Ambulance service
- Doctors visits ( medical, orthopedic, etc)
- Emergency room
- Hospital stays
Who does it cover
Med Pay follows the insured vehicle and covers all the people within it. The driver and all passengers will be able to have medical benefits. If, at the time of the car accident the policy was in force. The amount of the medical payments benefit is per person, not per accident.
Will Med Pay cover me if i was at fault for the accident
Med pay is additional coverage you purchase through your insurer. The coverage extends to you and your passengers, no matter who was at fault. If you were found at fault in the accident, you can still get your medical treatment cost covered under med pay.
What Doctor will Take Med Pay
Every personal injury doctor generally accepts Med Pay. All of the Doctors listed on car accident doctor will accept med pay, as well as PIP. However, most PCP’s or primary care doctors will not accept med pay. Also, most specialist, hospitals, emergency rooms, urgent cares, doctors, won’t accept med pay. These providers will want you to pay out of pocket.
Who does the med pay check go to?
Med pay checks are disbursed to the patient in most cases. The patient takes the check and pays for the doctors visits. However, in some cases it goes directly to the doctor or treating physician, if it’s just one. Furthermore, if you have an attorney, they may collect the med pay check.
Why would the attorney get the check?
If you have retained an attorney, the check may come to them. Most attorneys will disperse the funds to the medical providers. However, generally they do this at a reduced rate. In some cases, the attorneys will put the med pay in as part of your settlement and then try to negotiate the medical bills with the providers at a much reduced rate. It may be as low as 40 percent of what the original bill was. This is would not be considered an ideal situation for the doctor to be put in.
Some people don’t even know they have it, insurance companies don’t want to tell you about it. If you need help with a med pay claim or have been in an accident, please consult one the doctors listed in our database. They are here to help you in anyway they can.