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Posted by: David G on 04/15/2015

How to Pay for Treatment After an Accident? Medpay may be the Answer

How to Pay for Treatment After an Accident? Medpay may be the Answer

If you have been injured in an accident such as a motorcycle accident, car accident, or anything that might involve an insurance claim, one of the most effective and easiest ways to pay your medical expenses is by using medical payments (medpay) coverage.  Often times if you do not have health insurance, doctors, chiropractors, and other medical specialists will not see you without some form of payment.  Even for those who do have health insurance, many health insurance plans have limits on the amount of chiropractic visits or other types of doctors a patient may see. This is when having medpay coverage can be invaluable, and your best means for getting the treatment you need.

Medical payments coverage, more commonly known as medpay, is an optional coverage that many different types of insurance policies offer.  It is similar to personal injury protection (PIP) also known as “no fault” coverage that is legally required in some states on auto policies such as Kentucky, Michigan, Florida, New York, and New Jersey, except medpay can be added in virtually all states, such as Indiana, Illinois, Ohio, Tennessee, and the above PIP states, but it is optional and not required.  Since it is not required, when setting up your insurance policy if your insurance agent doesn’t offer this coverage to you, you will want to be aware of it and ask about adding it.

Medpay coverage can be purchased from most insurers with limits as small as $500.00, but can increase all the way up to $20,000.00, even higher depending on the state you live in and the insurance company. This limit means that this is the maximum amount that the coverage will pay out.  For example, if you have a $5,000.00 limit, the insurance will pay medical bills up to $5,000.00, and anything beyond that will be the patient’s responsibility. The more coverage you purchase, the higher the cost is going to be for your insurance premium, although medpay is one of the least expensive coverages on your policy. 

Medpay covers the policy holder, occupants of their vehicle, family members who reside with the policy holder,or in the case of homeowner insurance, visitors on their property, in the event an accident occurs and somebody is injured. Medpay can cover the policy holder or family member if they are in somebody else’s car, or even if they are not in any car at all, such as being a pedestrian or riding a bicycle. If a vehicle is somehow tied to the accident, the coverage will often apply.  Medpay is intended solely for medical and funeral expenses, this is in contrast with PIP, mentioned above, which cover a variety accident related expenses depending on the state.  Like PIP, medpay is not always exactly the same in every state, and some of the intricacies can change depending on where you are located and the states laws. It is always important to familiarize yourself with any quirks the coverage may have in your state.

There are several advantages of medpay that are hard to beat.  First of all, it covers you immediately regardless of fault.  If an injury occurs and it is established that coverage applies, the injured party can immediately seek medical attention.  There is not any waiting to decide who is at-fault, what treatment you can get, who you can see, etc.  Also, unlike health insurance or other coverages on your insurance policy like comprehensive and collision, the patient will not have to pay a deductible or copay, and does not have to wait for any type of provider or treatment approval.  You simply call your provider, give them the insurance information, they verify it, then get you scheduled to come in.  The patient does not have to worry about payments, coverage, or anything beyond that, and can focus on getting the treatment they need to get better.  If the patient chooses, they can pay the medical bills up front and later get reimbursed by medpay.  This frequently occurs with prescriptions, as it is easier to pay them up front and submit the bill later for reimbursement rather the waiting for the payment to come through and delay getting your medicine.  In certain situations medpay can also be used to cover your health insurance deductibles and copays, making your coverage limits go further, and minimizing your out of pocket expenses.    

Another benefit of medpay is that it pays the bills at 100%, and does not limit the amount of visits as long as it is reasonable and related.  Should you need to go to a chiropractor 4 times a week for 5 weeks, as long as the medical records and injury justifies the treatment, medpay will cover this. Keep in mind that medical treatment is expensive, so you will need to make sure you have high enough limits to cover treatment such as this.  Due to the ease and speed of medpay, it is often the preferred method of payment by most medical providers, doctors, specialists, and chiropractors. If you are seeking treatment after an accident, letting the providers know that you have medpay coverage up front will help get you in to treatment quicker, which can be extremely important to your recovery.

If another party should be at-fault for the accident, once the claim is closed your insurance will attempt to recover the medpay money from the at-fault party or their insurance.  This process is called subrogation, and does not affect the policy holder or covered party in anyway.  Subrogation is taken care of by the insurance company.  Regardless of the success of the subrogation process, if another party is found to be at-fault, opening a medpay coverage claim on your policy will not count against you.  If you are at-fault for the accident, the accident is already counting against you, and opening a medpay claim will not cause any additional damage.

Having medpay coverage on your insurance policy is a huge asset, and something that needs to be considered immediately if you do not have the coverage.  It makes getting treatment after an accident with a doctor, medicals specialist, or chiropractor much easier, allowing the injured party to focus on healing and getting back to normal.

To find a local chiropractor in Indianapolis, Carmel, Fishers, Noblesville, Zionsville, Avon, Speedway, Greenwood or any city in Indiana that accepts medpay coverage please see our network of Indiana’s best chiropractors. 

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