FOCUS ON HEALING, NOT BILLS HOW MEDPAY COVERAGE EASES THE FINANCIAL BURDEN
When you’ve been in a motor vehicle accident, the right insurance coverage will ensure you get the medical care you need to heal and move forward. Medical payment coverage can help fill in the gaps by covering your health insurance deductibles or even medical bills if you don’t have health insurance. Whether you are waiting for liability claims to be processed or are dealing with a disputed claim, this coverage is there to make sure you get the treatment you need without a heavy financial burden. What is MedPay? Medical payments coverage, or MedPay, is an optional coverage you can add to your policy to help with medical bills after an accident. It covers a wide range of expenses including doctor visits, ambulance fees, health insurance deductibles, co-pays, and even dental procedures. Not only does it
help to address your out-of-pocket costs, but it can also cover expenses for your passengers, even if you are at fault. How much coverage do I need? MedPay varies from state to state, but the limits typically range from $1,000–$10,000. One of the best strategies to follow when adding this coverage is to make it equal to your health insurance deductible, allowing MedPay to cover your out-of-pocket health costs. If, however, you don’t have any health insurance, up your MedPay limit to give yourself a stable cushion to pay for your health care right away, so you can focus on rest, not the immediate stress of high medical bills. What are the benefits? MedPay can be a lifeline when you are facing medical bills. Unlike other coverage,
like bodily injury liability, which only covers bodily injuries you cause to others as an
at-fault driver, MedPay will provide for passengers and family members in your vehicle. When you are hurt in a crash, the at-fault driver’s coverage may take a significant amount of time to process, causing your bills to pile up. Medical payment coverage can help you get medical costs covered quickly. Many health care plans include high deductibles and copays that can cause your overall costs to climb until a settlement. MedPay gives you the financial relief you need to make sure you can focus on recovery, not mounting bills.
December Giveaway
This month, we’re giving away five Theracanes, handy tools that can relieve muscle tension and maybe melt a little stress this holiday season. Email us at cbarry@barrytpr.com with the subject line “Teamwork” for your chance to win!
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