{"id":25926,"date":"2020-11-29T15:25:12","date_gmt":"2020-11-29T23:25:12","guid":{"rendered":"https:\/\/www.freeway.com\/?page_id=25926"},"modified":"2023-09-22T08:24:00","modified_gmt":"2023-09-22T15:24:00","slug":"medical-payments","status":"publish","type":"page","link":"https:\/\/www.freeway.com\/auto-insurance\/coverage\/medical-payments\/","title":{"rendered":"Auto Insurance Medical Payments Coverage (MedPay)"},"content":{"rendered":"<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_5fc42e7751bc4\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">What is Medical Payments Insurance?<\/h2>\n                                        <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p><strong>Auto Medical Payments Coverage<\/strong>\u00a0is a\u00a0<a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/\">type<\/a> of <a href=\"https:\/\/www.freeway.com\/auto-insurance\/\">car insurance<\/a> that pays for expenses relating to injuries resulting from a covered event, such as a car crash. Unlike your liability for bodily injury or death, <em>Medical Payments Insurance covers <span style=\"white-space: nowrap;\">you \u2013 and<\/span> your passengers\u00a0<\/em>\u2013 regardless of who is at fault in the car accident.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_6352b1f88ffcc\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Is This Coverage Required?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>Not all states require additional medical payment coverage on top of liability. Only Maine requires Medical Payments. New Hampshire does not require its drivers to purchase auto insurance, but if they do purchase it, the minimum package must include MedPay. Others require\u00a0<a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/no-fault\/\">Personal Injury Protection (PIP) or No Fault Insurance<\/a>. Some do not require additional medical payment policies at all or do not offer it. In many places, it is considered optional coverage. Your Freeway agent has the information you need and can help you sift through your options to find the best plan for you.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"c-product-imagen-wp c-product-imagen-wp wp-image-33997 size-full\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2022\/11\/Rectangle-3463216.jpg\" alt=\"Man and woman inside their car smiling and showing phone with QR code\" width=\"760\" height=\"380\" \/><\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_6352b2148ffcd\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">What Does It Cover?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>It provides what is considered gap protection in the event of injuries or death. Most MedPay benefits will cover you even when you are not in your vehicle, for example, if a vehicle hits you while walking or biking. It offers immediate money after an incident to help you pay for things like medical bills and funerals and you can even use your it to help pay for the deductibles and copays for your regular healthcare. It can be considered a supplement to your health <span style=\"white-space: nowrap;\">policy \u2013 check<\/span> with your health provider to find out which would be considered primary.<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <h3>This medical payment coverage helps pay for:<\/h3>\n<ul>\n<li>Visits to the doctor<\/li>\n<li>All treatments, surgeries and procedures associated with the crash<\/li>\n<li>Health insurance deductibles and <span style=\"white-space: nowrap;\">co-pays<\/span><\/li>\n<li>Long-term hospitalization or nursing services<\/li>\n<li>First responder (EMT), ambulance service and emergency room costs<\/li>\n<li>Replacement or prosthetic limbs<\/li>\n<li>Oral and dental procedures<\/li>\n<li>Funeral costs<\/li>\n<li>Injuries for pedestrians or bicyclists hit by a vehicle<\/li>\n<\/ul>\n<p>The benefits also may be used by the passengers and family members in your vehicle at the time of the crash.<\/p>\n<p>Since the financial help provided by your\u00a0<a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/liability\/\"><strong>liability car insurance<\/strong><\/a>\u00a0can take some time to be disbursed, it is valuable since it kicks in <span style=\"white-space: nowrap;\">immediately \u2013 meaning<\/span> you don\u2019t have to wait while companies battle out who is at fault for the car accident. It means some of your bills won\u2019t have to come out of your pocket while you wait to find out if you\u2019ll be covered by your injury liability insurance.<\/p>\n<p>A final note: This will help you pay for your injuries if you cause an accident while driving under the influence. Your car policy most likely will not.<\/p>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_6352b26f8ffce\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">How Much Does Medical Payment Insurance Cost?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>For the peace of mind it provides, it\u2019s actually pretty cheap. It averages somewhere between $5 and $20 per <span style=\"white-space:nowrap;\">month \u2013 depending<\/span> on the amount of protection you purchase and other factors insurer takes into account, such as your overall driving record. It\u2019s another good reason why\u00a0<a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/5-tips-comparing-car-insurance-rates\/\"><strong>shopping around and comparing car insurance<\/strong><\/a>\u00a0companies is a good idea.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing\" id=\"tables-block_6352b2ac8ffd0\">\n    <div class=\"o-wrapper Default\">\n                    <h2 class=\"c-section__title\">What is the Difference Between MedPay and Personal Injury Protection?<\/h2>\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <p>Typically part of the\u00a0<a href=\"https:\/\/www.freeway.com\/auto-insurance\/states\/\"><strong>state-required minimum car insurance<\/strong><\/a>\u00a0in <span style=\"white-space:nowrap;\">no-fault<\/span> states, PIP coverage is similar to Auto Insurance Med Payments in that both are designed to cover <a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/medical-bills-car-accident\/\">medical bills after a car wreck<\/a>, regardless of who is determined to be at fault. They both kick in immediately so those who need it don\u2019t have to wait while insurers and possibly courts sort out who is to blame for the wreck and who is responsible for the bills. PIP coverage has the advantage of covering more, like child care expenses and lost wages. However, PIP has a deductible, which med pay does not. Many people feel that a combination of the two offers the greatest protection.<\/p>\n<p>It may seem by looking at this table that PIP coverage is better. Keep in mind, though, that it has a deductible you must pay, while med pay does not.<\/p>\n<h3>Here is a table to help compare the differences between these two coverages.<\/h3>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>Coverage<\/th>\n                                                                                            <th>MedPay<\/th>\n                                                                                            <th>PIP<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>Doctor Visits<\/td>\n                                                                                            <td>Yes<\/td>\n                                                                                            <td>Yes<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Medical Treatment<\/td>\n                                                                                            <td>Yes<\/td>\n                                                                                            <td>Yes<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Funeral Expenses<\/td>\n                                                                                            <td>Yes<\/td>\n                                                                                            <td>Yes<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Deductibles\/Co-Pays<\/td>\n                                                                                            <td>Yes<\/td>\n                                                                                            <td>No<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Extended Nursing\/Rehab<\/td>\n                                                                                            <td>Yes<\/td>\n                                                                                            <td>Yes<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Ambulance\/EMT<\/td>\n                                                                                            <td>Yes<\/td>\n                                                                                            <td>Yes<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Prosthetics<\/td>\n                                                                                            <td>Yes<\/td>\n                                                                                            <td>Yes<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Dental<\/td>\n                                                                                            <td>Yes<\/td>\n                                                                                            <td>Yes<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Wage Reimbursement<\/td>\n                                                                                            <td>No<\/td>\n                                                                                            <td>Yes<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Child Care<\/td>\n                                                                                            <td>No<\/td>\n                                                                                            <td>Yes<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Housecleaning<\/td>\n                                                                                            <td>No<\/td>\n                                                                                            <td>Yes<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_620fe293208ed\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">How Does Auto Insurance Medical Payments Work?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>If you have this policy, make sure you get some information from your insurer on exactly how to file a claim, since it is handled differently from carrier to carrier. In some cases, you\u2019ll get a direct payout after you submit a bill. In other cases, this type of coverage is added to your existing health plan and they pay the bills. Across carriers, they may ask for your health insurance policy to pay first and this next or vice versa.<\/p>\n<p>In most situations, you\u2019ll either pay your medical expenses upfront and receive reimbursement or your health plan will pay the bills. In the second case, you can use it to help pay your regular health deductible or copay.<\/p>\n<p>At any rate, if you are injured in an crash that is not your fault, you\u2019ll receive help from this protection before the other driver\u2019s bodily\/death liability is approved by their insurer.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_620fe2b0208ef\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">What is the Difference Between Bodily Liability, PIP and MedPay?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>Bodily injury liability insurance helps pay for the medical expenses and other associated costs of other drivers and their passengers when you are the <span style=\"white-space:nowrap;\">at-fault<\/span> driver in a wreck. In a <span style=\"white-space:nowrap;\">no-fault<\/span> state, typically the extra protection required is used by each driver to pay the associated medical expenses for themselves and their passengers, regardless of who caused the crash. But liability payouts can get caught up in lawsuits after a wreck and insurers are reluctant to pay out until blame has been established. The extra policy provided starts to pay immediately.<\/p>\n<p>In every state that requires drivers to carry insurance, <a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/bodily-injury\/\">bodily injury liability<\/a> is part of that requirement, except Florida. Florida only requires property damage liability and PIP. And, of course, New Hampshire does not require any.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_6352b50d8ffd1\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">What Are the Policy Limits of MedPay?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>As with most types of protection, in most states you can decide how much of this you want to purchase. Experts say to examine your current health plan for information specific to auto accidents. With today\u2019s high costs for medically associated services, having some extra may be a good idea. Keep in mind there are no deductibles or <span style=\"white-space: nowrap;\">co-pays<\/span>.<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <h3>In the states that require this medical payment coverage, the limits are:<\/h3>\n<ul>\n<li><a href=\"https:\/\/www.freeway.com\/blog\/car-insurance-3\/driving-laws\/new-law-may-change-pennsylvania-auto-insurance\/\">Pennsylvania<\/a>* &#8211; $5,000<\/li>\n<li>Maine &#8211; $2,000<\/li>\n<li>New Hampshire** &#8211; $1,000<\/li>\n<\/ul>\n<p>*Pennsylvania requires drivers to carry $5,000 worth of medical benefits. It does not specify what type of medical benefits.<\/p>\n<p>**New Hampshire does not require drivers to carry insurance. However, if you choose to have it, you must include $1,000 of medical.<\/p>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<section class=\"c-contact-channels\">\n        <div class=\"o-wrapper \">\n        <div class=\"c-contact-channels__content\">\n            <h2 class=\"c-contact-channels__title \">Get Your Medical Payments Insurance Online Today<\/h2>\n                            <div class=\"c-contact-channels__text\"><p>Depending on where you live, MedPay may be part of your <span style=\"white-space:nowrap;\">state-required<\/span> liability. Other states offer it as an option that must be declined in writing. However, it\u2019s a good option to consider since it is inexpensive and offers peace of mind in the event of a car wreck.<\/p>\n<p>Your Freeway agent can help you determine what\u2019s right for you. We\u2019ll compare car plan quotes so you can choose the policy that best meets your needs and budget. Contact us today for a quick, fast\u00a0<a href=\"#modal-turbo\"><strong>online insurance quote<\/strong><\/a>\u00a0or by calling us at\u00a0<a href=\"tel:800-777-5620\"><strong><span style=\"white-space:nowrap;\">800-777-5620<\/span><\/strong><\/a>\u00a0or by visiting us at one of our\u00a0<a href=\"https:\/\/locations.freeway.com\/\" target=\"_blank\" rel=\"noopener\"><strong>local offices<\/strong><\/a>.<\/p>\n<\/div>\n                        <div class=\"c-contact-channels__channel\">\n                                    <div class=\"c-contact-channels__channel_item\">\n                        <a class=\"c-contact-channels__channel_icon c-contact-channels__channel_icon--online\" target=\"_self\" href=\"#modal-turbo\" aria-label=\"Get a quote online\">\n                            <span class=\"o-icon\"><svg aria-hidden=\"true\" focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.freeway.com\/wp-content\/themes\/freewayv2\/template\/html\/images\/icons\/icons.svg#icon-quote\"><\/use><\/svg><\/span>\n                        <\/a>\n                        <span class=\"c-contact-channels__channel_text\">Online<\/span>\n                    <\/div>\n                                    <div class=\"c-contact-channels__channel_item\">\n                        <a class=\"c-contact-channels__channel_icon c-contact-channels__channel_icon--phone\" target=\"_self\" href=\"tel:800-777-5620\" aria-label=\"Get a quote over the phone\">\n                            <span class=\"o-icon\"><svg aria-hidden=\"true\" focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.freeway.com\/wp-content\/themes\/freewayv2\/template\/html\/images\/icons\/icons.svg#icon-phone\"><\/use><\/svg><\/span>\n                        <\/a>\n                        <span class=\"c-contact-channels__channel_text\">Over the phone<\/span>\n                    <\/div>\n                                    <div class=\"c-contact-channels__channel_item\">\n                        <a class=\"c-contact-channels__channel_icon c-contact-channels__channel_icon--ubication\" target=\"_self\" href=\"https:\/\/locations.freeway.com\" aria-label=\"Get a quote in our offices\" rel=\"noopener\">\n                            <span class=\"o-icon\"><svg aria-hidden=\"true\" focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.freeway.com\/wp-content\/themes\/freewayv2\/template\/html\/images\/icons\/icons.svg#icon-location\"><\/use><\/svg><\/span>\n                        <\/a>\n                        <span class=\"c-contact-channels__channel_text\">Visit us<\/span>\n                    <\/div>\n                            <\/div>\n        <\/div>\n    <\/div>\n\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":25510,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-parts\/products.php","meta":{"_acf_changed":false,"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/25926"}],"collection":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/comments?post=25926"}],"version-history":[{"count":40,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/25926\/revisions"}],"predecessor-version":[{"id":48891,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/25926\/revisions\/48891"}],"up":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/25510"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/media?parent=25926"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}