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What Does MedPay Cover in Missouri?
If you get into a car accident, having MedPay coverage can have a noticeable impact on your recovery and ability to pay for your medical treatment. MedPay, which is also known as “medical payments” coverage, may be able to cover the medical expenses incurred by you and your passengers in automobile crashes.
For many accident victims in Missouri who are recovering from their injuries, MedPay coverage can provide much-needed financial compensation. However, it is critical to understand how MedPay works and what it covers to make sure that you get your bills paid quickly.
If you are involved in an automobile accident, work with an experienced attorney to identify your coverage options. A personal injury attorney at Grover Law Firm, LLC, can help you fight for the compensation to which you are entitled, regardless of whether you have MedPay coverage or not. Attorney Mark Grover and his team serve accident victims in Kansas City, Missouri, and other areas throughout the states of Missouri and Kansas.
What Is MedPay?
You need to understand what MedPay is and how it works before you can use the coverage to pay for your bills. First and foremost, MedPay is not mandatory in Missouri. This optional type of insurance coverage may pay for the medical bills incurred by you and your passengers in the event of an accident. Medical payments coverage in Missouri can also cover other drivers named on the policy.
Since MedPay is optional in Missouri, you can add this coverage to your existing insurance policy. Typically, coverage limits for MedPay in Missouri range from $1,000 to $10,000. The higher the coverage limit, the more money the insurance company will pay to cover your medical expenses when an accident occurs. You can use MedPay coverage to cover your medical bills regardless of who was at fault for the accident.
Some of you may wonder, “What is the difference between MedPay coverage and bodily injury coverage?” In auto insurance, MedPay covers the policyholder and their passengers, while bodily injury coverage provides payment for medical bills and other losses incurred by a third party. Another difference between bodily injury coverage and MedPay is that the former only covers the damages and losses caused to others, while the latter can pay for bills regardless of fault.
What Does MedPay in Missouri Cover?
If you are injured in a car accident and have MedPay coverage as part of your insurance policy, it’s natural to ask, “What will MedPay cover?” Typically, MedPay covers any medical bills not covered by your healthcare insurance. Thus, you can use MedPay coverage to pay for your nursing costs, co-insurance, ambulance bills, deductible, and other expenses.
One of the benefits of having MedPay coverage is that it can cover you even if the other driver is uninsured. According to Insurance Information Institute, an estimated 16.4% of Missouri motorists do not have auto insurance. MedPay can cover your expenses even if the other driver is not insured and has no means to pay for your damages and losses.
Reasons to Purchase MedPay
Below are some of the reasons to consider purchasing MedPay coverage to protect you and your passengers in the event of a car crash:
- Covers you regardless of fault. As mentioned earlier, MedPay covers your losses regardless of who was responsible for causing the accident.
- Follows you. What many people do not understand about MedPay is that this coverage follows you. It means that the coverage will cover your expenses even if you get injured in someone else’s vehicle, while walking, or even riding a bicycle.
- Get immediate coverage. With MedPay, you do not need to wait until your personal injury claim is resolved to get paid. MedPay will pay for your expenses promptly to prevent medical bills from mounting.
- No deductible. MedPay does not have any deductibles or copays, which means you can get full coverage up to the purchased limit.
- Relatively low cost. MedPay coverage is relatively inexpensive. Often, policyholders pay less than $10 a month for MedPay coverage.
If you already have MedPay coverage and want to understand how it can help you in the event of a car crash, discuss your particular situation with a skilled car accident attorney in the Kansas City area.
Should You Get MedPay if You Have Healthcare Insurance?
You can benefit from getting MedPay even if you have healthcare insurance, especially if your health insurance has a high deductible or copays. One of the many things MedPay covers is a healthcare insurance deductible and copays, which means you will not be required to pay for them out of pocket if you have MedPay coverage.
Another advantage of MedPay coverage is that it extends to your passengers. If you want to protect everyone in your vehicle, it is a good idea to get MedPay, even if you already have healthcare insurance.
How Grover Law Firm, LLC Can Help
If you or someone you love is injured in an automobile crash, contact a skilled attorney at Grover Law Firm, LLC, to review the insurance policies available in your case and pursue the compensation you deserve. The personal injury attorney in Kansas City, Missouri, can help you navigate the claims process and determine your best coverage options. Schedule a consultation today to start working on your case.