All About Auto Medical Payments (MedPay) Car Insurance

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When choosing a car insurance policy, Medical Payments coverage, also called MedPay, represents an attractive option in many states. The fast response in receiving MedPay payments makes it desirable over comparable health insurance policies when it comes to receiving medical care in the wake of a car accident. Better yet, MedPay comes into effect even when you’re not driving your car — for example, if you are hit by a vehicle while walking or riding on public transportation.
Some other benefits of MedPay include no deductible and its ability to cover passengers and other family members within the vehicle at the time of the accident. To learn about MedPay and its many benefits, continue reading!

What is MedPay Coverage?

MedPay, or Medical Payments coverage, is a supplemental car insurance that pays for medical and funeral expenses that happen due to a car accident. MedPay coverage covers the driver, passengers, and any family member driving the covered vehicle. With no-fault coverage, the MedPay policy even applies to injuries suffered outside of the car.
MedPay’s covered expenses include:
  • Ambulance and EMT fees
  • Hospital stays and visits
  • Doctor visits
  • Professional nursing care
  • Surgery
  • X-rays
  • Prostheses
  • Dental work resulting from an accident
  • Injuries suffered if a car hits you while you’re walking or riding a bicycle
  • Funeral expenses
In addition to covering you if you have an accident in your own vehicle, your MedPay coverage goes with you if you suffer an accident while in a friend’s car, when using public transportation, and even while walking. You coverage even follows you if you visit another state.
Keep in mind, though, that MedPay coverage does not pay for injuries sustained from trailers or other equipment attached to your vehicle.

How Much Does MedPay Cover?

When acquiring MedPay coverage, you need to choose the maximum dollar amount the coverage provides in case of an accident. According to ValuePenguin, the monthly fee for MedPay varies by car insurance company and coverage limit, as detailed in the following chart.
MedPay Coverage Amounts Per Incident and How Much it Costs
Coverage Cost For Coverage Amount Per Incident
Coverage Amount Per Incident GEICO State Farm Allstate Esurance Progressive*
$1,000 $4.56 $1.56 $8.00 $5.10 $6.00
$2,000 $8.76 $12.00 $6.46 $9.00
$5,000 $19.18 $3.12 $20.00 $8.48 $17.00
$10,000 $27.52 $4.37 $26.00 $28.56 $26.00
$25,000 $6.87 $32.00 $36.72 $35.00
*Progressive limits are set by per person, not per incident.

Why You Need MedPay

MedPay coverage takes care of a lot of the out-of-pocket expenses you incur as part of an accident, expenses that health insurance usually does not cover. If you have MedPay coverage in one of the no-fault states, MedPay might even cover the co-pay for your Personal Injury Protection (PIP) coverage. The 12 no-fault states include:
  • Florida
  • Hawaii
  • Kansas
  • Kentucky
  • Massachusetts
  • Michigan
  • Minnesota
  • New Jersey
  • New York
  • North Dakota
  • Pennsylvania
  • Utah

PIP vs. MedPay

Personal Injury Protection coverage, or PIP, pays the medical and other injury-related costs of a policyholder regardless of the at-fault party. And while PIP coverage varies according to the state in which you live, most often PIP coverage includes:
  • Childcare and household expenses: PIP covers any related childcare expenses if you can’t care for your children due to injury. In addition, PIP also pays to have someone maintain your home in your stead, such as lawn care.
  • Funeral costs: PIP covers any expenses associated with a funeral, including the ceremony, burial expenses, and cremation.
  • Lost income: If you lose wages due to an accident, PIP should reimburse you. It should also cover the cost to hire temporary employees for self-employed policyholder.
  • Medical expenses: PIP covers a wide range of medical-related expenses, including paying any ambulance or paramedic fees, doctor and surgeon fees, hospital stays, and nursing care. Other expenses covered by PIP include medications, laboratory tests, dental work, and prostheses. You might also need to pay a co-pay as a part of your PIP coverage.
  • Survivor benefits: If the main income earner in the family loses their life as a result of an accident, PIP coverage might pay survivor benefits to cover any lost wages.
Quickness of payment represents the main difference between PIP and MedPay coverage, with MedPay paying rather quickly. In addition, MedPay doesn’t require you to pay a deductible before it kicks in, unlike more conventional healthcare plans.
Opting for MedPay coverage as a supplement to your regular car insurance can provide you more money in case of an accident, money which you might need if you find yourself in an extended hospital stay, out of work, or as a payout to your survivors if you lose your life.

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