Auto MedPay helps pay bills for doctors, hospitals, X-rays, ambulances, and surgeries. Furthermore, MedPay can help fill the financial drains caused by health insurance deductibles, and copays. Finally, MedPay usually covers funeral costs in fatal crashes.

Medical Payments Insurance does not reimburse lost wages or cover property damage.

Auto MedPay Coverage

Auto MedPay covers expenses arising from a car crash – even if an insured person is in an auto accident nowhere near the insureds’ vehicle. Specific medical expenses normally covered include:

• Medical Transport (EMT);
• Emergency Room Expenses; 
• Radiology – X-rays / CT Scans / MRIs; 
• Anesthesia; 
• Surgeon fees; 
• Medical facility / hospital fees; 
• Prostheses; 
• Doctor’s visits; 
• Dental care required as a result of a car crash; and 
• Funeral expenses after fatal car accidents. 

Choosing Your Medical Payments Coverage Amount

Choosing Auto MedPay coverage amounts is unique to each individual or family. It should be based on your financial situation and health insurance coverage. And while MedPay coverage is not mandatory under Alaskan law – it should be. Many people have no MedPay or only $5,000. This is not enough. When purchasing Auto MedPay, consider higher limits, particularly if you frequently have passengers in your vehicle.

We recommend at least $100K of Auto MedPay insurance. It should cost around $8 to $12.50 per month or $50 to $75 every six months. This is cheap protection. People with sufficient MedPay avoid harassment by collection agencies after Motor Vehicle Accidents. More importantly, sufficient Auto MedPay insurance helps protect families from bankruptcy by medical bills. Choose the highest MedPay coverage limit you can fit into your budget – a minimal cost for tremendous peace of mind. Buy all you can afford.

MedPay Stacks – Injured In Someone Else’s Vehicle?

If you suffer injuries riding in someone else’s vehicle, ask if they have MedPay coverage. The vehicle owner’s MedPay coverage will help cover your related medical treatment. Your Auto MedPay also applies in addition to the occupied vehicle’s MedPay. Purchase Medical Payments Insurance Alaska – protect yourself, your family, your friends, your vehicle passengers, and your financial future. Auto MedPay covers medical expenses after an accident, regardless of who is at fault.

If you suffer injuries in an auto crash, discuss your claims with a personal injury attorney. Call Johnson Law to discuss your auto injury case and get a 100% free claim review: (907)277-3090 or use our online contact form.

This Auto MedPay Article is Part 4 of a 6-Part Winter Auto Insurance Review Series. Read these articles for information about Auto Liability Insurance, UM and UIM Insurance, Umbrella Coverage, and Personal Injury Auto Claims.

Johnson Law has been helping Alaskans for nearly 30 years. It’s who we are.

And while we hope you never need us… We’re here if you do. ~ Doug Johnson

Image Source: Your Alaska Link

Medical Payments Insurance

Medical Payments Insurance (MedPay) covers medical bills and health insurance copays or deductibles for treatment related to injuries from a crash. MedPay applies to both drivers and passengers. MedPay also covers the insured if they suffer injuries as a pedestrian, even if they are not near their vehicle. Finally, MedPay covers funeral costs in fatal crashes. Purchase MedPay, Alaska – if your health insurance has a high deductible or doesn’t fully cover accident-related injuries, MedPay can help fill the gaps. 

Purchase MedPay Alaska – it can also cover the following expenses that arise from a car crash – even if you are in an auto accident nowhere near your own insured vehicle:

• Medical Transport;
• Emergency Room Expenses 
• Radiology – X-rays / CT Scans / MRIs 
• Anesthesia; 
• Surgeon fees; 
• Medical facility / hospital fees; 
• Prostheses; 
• Doctor’s visits; 
• Dental care required as a result of a car crash; and 
• Funeral expenses after fatal car accidents. 

Choosing Limits When You Purchase MedPay In Alaska

Choosing limits is unique to each individual and should be based on your financial situation and health insurance coverage. When you purchase MedPay Alaska, consider higher MedPay limits if you do not have health insurance or if you frequently have passengers in your vehicle. Choose the highest coverage limit you can to fit your needs and budget. 

If you suffer injuries riding in someone else’s vehicle, ask if they have MedPay coverage. It will help cover the treatment you need. Purchase MedPay Alaska – protect yourself, your family, and friends. MedPay is recommended to help cover medical expenses for you and your passengers after an accident, regardless of who is at fault. 

Johnson Law has been helping Alaskans for nearly 30 years. It’s who we are. Call Johnson Law at  (907)277-3090 or use our Contact Form to discuss your Alaska accident injury case. We are here to serve you.

And while we hope you never need us… We’re here if you do. ~ Doug Johnson

Source: NerdWallet: Understanding Medical Payments Coverage

Image Source: Wallet Hub