What Does Medical Coverage On An Auto Insurance Policy Cover? 
While I might agree with these answers , medical payments coverage is often purchased with the intent to cover medical expenses incurred in an accident involving an automobile not covered by a person 's health insurance coverage -LRB- deductibles , co-payments , dental expenses , cosmetic surgery , etc -RRB- . However many health insurers -LRB- including Medicare -RRB- have amended the co-ordination of benefits feature in their medical insurance plans to require an injured subscriber to exhaust their medical payments coverage before they can make a claim under their health insurance coverage . In effect , anyone buying -LRB- and paying for -RRB- medical payments coverage may not be able to collect on it should they ever need it ! Their health insurer may have already exhausted the limit . Before considering this coverage , an insured should check with their health insurer and make sure they can use the benefit to cover expenses not covered by their basic health insurance plan first . Once they have been fully reimbursed , only then can the health insurer become entitled to these benefits . 