Why Should You Have MedPay?
What is MedPay?
MedPay insurance is optional coverage that can take care of medical bills after an auto accident. Medpay is referred to as a first-party-benefit because it is under your own policy of insurance, not the person’s insurance who caused the accident. It’s a benefit that you can have under your own insurance where you can use medpay benefits to pay for medical treatment after a car accident. Its important coverage that you should have, and you cannot get it after a crash but need to have it in effect on your policy before an accident.
What MedPay Does and Does Not Cover
MedPay coverage protects you as well as any passengers or other occupants, pedestrians, or anyone using your car with your permission. If the accident was the fault of another driver, their insurance company should cover your medical costs. However, delay in this process is inevitable and your MedPay coverage can pay your medical bills while your lawyer pursues a settlement against the person’s insurance who caused the accident. MedPay also covers treatment of injuries which you or your family members may sustain in a car accident that occurs while you are riding in someone else’s vehicle, or as pedestrians or bicyclist.
Since it may be difficult to foresee how long you will need treatment for your injuries and how long your case will last, Medpay coverage can take care of medical bills and even co-pays and deductibles for treatment that occurs under your health insurance. Medpay can help keep some accounts out of collections during the course of your injury case. MedPay coverage extends beyond the doctor’s office to include any ambulance fees, hospital tests, x-rays, prostheses, nursing, dental, surgical, or chiropractic care, health insurance deductibles and copays, and funeral costs.
Why Should You Have MedPay coverage?
While MedPay is optional in all but three states (Maine, Pennsylvania and New Hampshire), it’s a good idea to opt for this medical coverage as a safety net to cover any charges not covered by your health insurance in the event of an accident, such as an ambulance ride, emergency visits or chiropractic care. MedPay can also help with your deductible or copays for treatment you receive as a result of a car accident. This can come in handy with high deductible plans. If you frequently carry passengers who aren’t family members, MedPay is a great way to ensure that they are covered, as it can extend to people who are riding in your car and become injured in an auto accident. Insurance companies are historically slow in paying benefits, and MedPay can help you take care of medical expenses that can’t wait to be paid until a case is settled against the person who caused the crash. MedPay itself has no deductibles or copays and covers a wide range of out of pocket costs your insurance might not. Finally, MedPay premiums can be less than $25.00 for up to $10,000-$25,000 in coverage, making it one of the least expensive forms of medical insurance.
At Whalen Hersh, we have the resources and experience to thoroughly represent you in a personal injury case. We can help process your Medpay claims while pursuing the case against the person who caused the crash against their insurance company. Our goal is to help ensure you receive adequate, fair, full compensation for any losses you may have suffered. Contact us today for a free, no-obligation consultation if you or a loved one have been involved in an auto accident with injury.
You can reach us in Denver at (720) 307-2666. Our offices are conveniently located in the Denver Tech Center at 7955 East Arapahoe Court, Suite 2375, Centennial, CO 80112. In Colorado Springs, you can find us at the Alamo Corporate Center, 102 S. Tejon Street, Suite 1100, Colorado Springs, CO 80903, or call us at (719) 644-7000 to learn more. At Whalen Hersh, we aren’t afraid to take on a big insurance company and fight for your right to receive fair compensation.