Medical payments coverage, or MedPay, is a
car insurance
add-on that covers medical expenses related to car accidents—regardless of fault—for drivers and their passengers.

What is medical payments coverage? 

Medical payments coverage offers immediate payment for medical costs stemming from an auto accident.
Here’s a breakdown of what MedPay covers, and what it doesn’t:
What’s covered
What’s not covered
  • Medical bills and expenses for you and your passengers (including copays and health insurance deductibles)
  • Doctor visits 
  • Professional nursing services and care
  • Emergency room and hospital visits
  • Dental treatment
  • Ambulance and EMT fees
  • X-rays 
  • Surgery
  • Chiropractic treatment
  • Some medical equipment, like prostheses
  • Funeral expenses
  • Death benefits
  • Wage reimbursement 
  • Replacement services for cleaning, childcare, and other tasks (if you're limited physically due to injuries)
  • Other drivers’ medical bills 
  • Rehabilitation
  • Physical or occupational therapy
  • Psychiatric care after an accident
  • Accidents that occur while driving a vehicle with less than 4 wheels
  • Accidents that occur while using your vehicle as a public conveyance (Uber, Lyft, and other
    ridesharing
    companies)
Though MedPay won’t pay for expenses associated with injuries that occur while driving for work, it can function as co-insurance for other types of insurance, such as health insurance, when paying for covered expenses. 

How does Medpay work with your health insurance 

Your health insurance coverage will kick in after your MedPay coverage is paid out for your medical expenses.
If you receive a payout from any claim you filed against the other drivers, you will have to repay your car insurance company and health insurance for any payments it made on your behalf to cover your treatment.
Keep in mind: MedPay does not compensate you for any pain, suffering, or emotional distress you suffer due to an accident. For that, you’ll have to sue the other party in a court of law.

Medical payments coverage cost and coverage limits 

In most instances, MedPay costs an average of $2 to $15 per month with no
deductible
Depending on your state and insurance provider, MedPay policy limits typically range from $1,000 to $10,000 per person. The amount you purchase will also set your MedPay insurance rates—the higher your coverage limit, the higher your monthly premium.

Who needs medical payments coverage?

Drivers in the following states are required to include MedPay in their car insurance coverage: 
State
MedPay Limits Required
Stipulations
$2,000 per person
N/A
$1,000 per person
Required for drivers who choose to purchase a car insurance policy to satisfy the state’s financial responsibility requirement
$5,000 per person
Known as “First Party Benefit” (FPB)
MedPay is not available in these states:
MN
,
NY
,
ND
,
OR
Policyholders have the option to purchase MedPay in all other states, but in the six states where both MedPay and
personal injury protection (PIP)
are available (
Arkansas
,
Connecticut
,
South Dakota
, Texas,
Virginia
, and Washington),
PIP is likely your best option
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Keep in mind: Minimum liability car insurance only covers medical expenses for the other driver and their passengers when you’re at-fault in an accident. Without medical payments insurance, you will have to rely on health insurance or pay out of pocket for medical bills after an at-fault accident.

What’s the difference between liability coverage and medical payments coverage? 

Liability insurance
is required in most states and usually includes bodily injury liability, which is designed to help cover medical bills and injury-related expenses for other parties following an accident you cause. 
MedPay, on the other hand, is optional coverage in most states and is designed to help pay medical bills and injury-related expenses for you and your passengers regardless of fault. 

What’s the difference between personal injury protection (PIP) and medical payments coverage? 

Both medical payments coverage (MedPay) and
personal injury protection (PIP)
offer policyholders immediate payment for medical costs stemming from an auto accident—but PIP is more comprehensive.
Here’s a breakdown of the differences between MedPay coverage and PIP insurance:
Infographic explaining that MedPay covers Medical bills, expenses, and copays, doctor and hospital visits, dental treatment, ambulance transportation, X-rays, surgery, chiropractic treatment, some medical equipment, like prosthetics, and funeral expenses. PIP covers all this, plus, death benefits, replacement services for cleaning, childcare, and other tasks if injuries prevent or make them difficult to perform, psychiatric treatment, physical or occupational therapy, and rehabilitation.
While you can’t purchase both insurance coverages simultaneously, either MedPay or PIP coverage can offer peace of mind to protect yourself and the ones you love—along with your wallet.

How to search for medical payments coverage quotes 

Medical payments coverage is available from a wide range of auto insurance companies and third-party providers. To find a plan and price that works best for you, be sure to shop around and
compare insurance quotes
from different insurers. 
To save yourself the time and hassle, use
Jerry
to find the perfect auto insurance policy with MedPay coverage. In just a few minutes, Jerry will connect you with quotes from the country’s top insurance providers—all you have to do is choose the price that fits your budget. 
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FAQ

Is medical payments coverage necessary?

Medical payments coverage is required in Maine, New Hampshire, and Pennsylvania (if you choose to purchase car insurance). In other states, medical payments insurance is not required, but if you don’t have PIP, MedPay can be a good investment if you want extra help paying medical bills resulting from a car accident regardless of fault.

Is there medical payments coverage for homeowners?

Yes, there are medical payments coverage options for homeowners. Medical payments coverage on a homeowners insurance policy will cover any non-household member who gets injured on the property.

Is medical payments coverage required in California?

No, medical payments coverage is not required in California. MedPay is commonly purchased by California drivers since it’s relatively cheap and offers quick coverage for post-accident medical bills.

Why is medical payments coverage important? 

Medical payments coverage is important since it offers financial support to drivers after an accident. Your liability coverage will only cover the other driver and their passengers, whereas MedPay can help you avoid expensive medical bills, even in an at-fault accident.

Can I reject medical payments coverage?

Medical Payment coverage is required in Maine, but drivers can reject it in all other states.

Does medical payments coverage cover a visit to the dentist? 

If your dental visit is related to a car accident, your medical payments coverage will offer dental coverage.

Will my auto insurance cover my medical bills if I accidentally slammed my fingers in the door? 

Yes. Slamming your fingers in the door is one of the most common car-related accidents, and your medical payments coverage or personal injury protection coverage will cover your medical bills. 

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Hillary Kobayashi
Hillary Kobayashi is an insurance writer and editor specializing in insurance and finance topics. Hillary’s mission is to use her knowledge and love of education to help car owners better understand how they can save time and money on car ownership. The articles Hillary has published for Jerry span topics from state-specific bill of sale requirements to SR-22 insurance information.
Prior to joining Jerry, Hillary spent over ten years in education at Pacific University and the University of Oregon.
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Sarah Gray
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Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.

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