Medical payments coverage (often referred to as Med Pay) provides support that is different than that available under regular health insurance. That is because there are various costs that you may incur related to your medical care following a car accident that actually are not covered by your regular health insurance.
More specifically, Med Pay can cover any number of immediate expenses, such as deductibles and co-pays. In addition, you may need certain procedures or health support that is not covered under your health insurance plan. Medical payments coverage can fill this gap, ensuring that you receive the treatment that you need exactly when you need it, without the stress of coming up with several thousand dollars in the immediate aftermath of an accident. The coverage usually applies no matter who causes an accident.
Many agents will not recommend purchasing med pay, because it is usually not a moneymaking policy for the business. Med Pay support in the amount of $5,000 (usually sufficient for many) can often be purchased for no more than $10 every six months or so. Check your policy to see if you have this coverage and if not, consider adding it to your policy.