How does medical payments coverage work with a health insurance deductible?

I have a $1,000 deductible for my health insurance. If I was injured in an accident, would I need to pay the $1,000 towards my health-care deductible first? Or would my medical payments coverage cover the $1,000?

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Emily Maracle
Answered on May 18, 2021
Medical payment coverage covers medical expenses and bills. It is considered to be your primary coverage and your health insurance is your secondary coverage.
If you are injured in an accident, your medical payments coverage will pay your medical bills until your coverage is exhausted. From there, your health insurance will cover any remaining costs.
If your medical payments coverage paid $1,000 in medical bills, this should qualify as meeting your deductible. Your health insurance should cover anything else.
Every company has different terms and conditions. Before deciding on a medical payments coverage limit, you should reach out to your health insurance company to see how they handle accident claims. They’ll be able to provide you with more details so you can make an informed decision about your coverage. “
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