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What is Medical Payments Coverage?

As part of an auto insurance policy, medical payments coverage -- also known as “MedPay” -- helps pay the medical expenses for a driver and any passengers injured in a car accident, no matter who is at fault. This type of coverage is optional and not available in every state.

What does MedPay Cover?

MedPay will cover the following medical expenses for you and any passengers injured in an auto accident:

  • Hospitalization
  • Doctor visits
  • Surgery and prostheses
  • X-rays
  • Ambulance fees
  • At-home nursing care
  • Health insurance co-pays and deductibles

Medical Payments vs. Liability Coverage

It may seem like MedPay and liability insurance cover the same things, but there are differences. While medical payments insurance is optional, liability insurance is required in almost every state. Medical payments insurance will pay for your injuries and any passengers injured in a car accident, while liability insurance pays only for the other party’s medical expenses, as well as their vehicle and property damage.

Medical Payments vs. Personal Injury Protection Coverage

While both medical payments and personal injury protection (PIP) insurance pay for you and your passengers’ medical bills following an accident no matter who was at fault, there are three key differences:

  • PIP is available in no-fault states while medical payments coverage is only offered in states that do not have PIP.
  • Medical payments insurance is optional; depending on state law, PIP may be required or optional.
  • In addition to medical expenses, PIP also pays for lost wages and essential services like childcare if you are unable to do so because of an accident. Medical payments coverage does not pay for lost wages or essential services.

Where is Medical Payments Coverage Available?

MedPay is only required in Maine and Pennsylvania. New Hampshire residents who choose to buy car insurance must purchase MedPay as well. See the below table for availability by state:

State Optional Required Not Available
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming

Should I Buy MedPay Insurance?

For most people, MedPay is an option to consider in case your medical expenses from an accident exceed your health plan limits, or there are costs your health plan does not cover. MedPay can provide an added safety net as it also can be used for health insurance deductibles and co-pays. Those expenses can be significant if you have a high deductible health plan.

With the latest technology and direct relationships with top carriers and brokers, Cheapest-Auto-Insurance.com secures the absolute lowest rates for medical payments coverage. Enter your zip code to compare quotes and save!

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