Medical Payments (MedPay) Coverage

Medical payments coverage is an add-on to auto insurance that provides compensation for medical bills. Your MedPay coverage will cover the cost of doctor's visits, x-rays, ambulance fees, and other medical bills not covered by liability coverage or personal injury protection. Medical payments coverage rates are about $5/mo, which makes it an affordable coverage option for extra protection.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Feb 10, 2021

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A Concise Overview

  • Medical payments (MedPay) is an optional auto insurance coverage that pays for medical bills.
  • Most states have MedPay coverage, but it’s only required in a few.
  • MedPay can supplement health insurance coverage.

Medical payments coverage is one of the many auto insurance coverages that provide compensation to your medical bills after you’ve been involved in an accident. Also, it’s a car insurance option that provides coverage even if you’re a pedestrian.

Several other perks go along with medical payments coverage, which we explain in our guide below. If you want to start comparing medical payments coverage quotes, enter your ZIP code in the free comparison tool above. For more information about medical payments, continue reading.

What does MedPay (medical payments) coverage mean?

Medical payments (or MedPay) is an add-on that you can attach to your auto insurance policy.  It’s one of the car insurance coverages that provides compensation for medical bills regardless of fault.

An example of MedPay coverage is an auto insurance company paying for x-rays after you’ve been involved in an accident where you’re at fault. Car insurance companies usually suggest that you contact your health insurance provider, but under MedPay, you can receive help with medical bills after an accident if you’re the driver, passenger, and even as a pedestrian.

What does MedPay cover?

MedPay specifically targets medical bills. Therefore, any costs from a doctor’s visit or physician service will be covered under MedPay. Here are a few examples where MedPay claims will be paid out:

  • Funeral Costs
  • Ambulance and EMT Fees
  • Hospital Admission and Visits
  • X-Rays
  • Surgeries
  • Nursing Services (out-patient and in-patient)
  • Prosthetics
  • Dental Services (as a result of an accident)
  • Bodily Injury if a Vehicle Hits YouEMT and ambulance fees

The idea of MedPay is to provide you with a way to pay for sudden medical bills due to an accident. However, insufficient coverage limits would have to be picked up by your health insurance company.

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MedPay Coverage Limits

Like liability car insurance limits, medical payments carry a coverage limit, too. Your coverage limit depends on your needs. Some auto insurance companies have MedPay coverage limits as high as $100,000. Let’s look at a few car insurance companies and see how much you can pay for MedPay per month.

Medical Payments Coverage Average Monthly Rates
CompaniesMonthly Rates w/ $1,000 Coverage LimitMonthly Rates w/ $2,000 Coverage LimitMonthly Rates w/ $5,000 Coverage LimitMonthly Rates w/ $10,000 Coverage LimitMonthly Rates w/ $25,000 Coverage Limit
GEICO$5$9$19$28N/A
State Farm$2N/A$3$4$7
Allstate$8$12$20$26$32
Esurance$5$6$8$29$37
Progressive$6$9$17$26$35
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As you can see in the data, higher coverage limits mean higher monthly payments for MedPay. Some companies will have limits as high as $100,000. Ask your auto insurance company about affordable medical payments coverage limits before you make a final decision.

Where is MedPay available?

MedPay is a popular car insurance add-on, but some United States areas don’t have medical payments. Here is a list of states that don’t have MedPay:

  • Oregon
  • North Dakota
  • Minnesota
  • New York
  • Maryland

However, Maine and Pennsylvania require MedPay. According to the New Hampshire Department of Safety, drivers in the state aren’t under mandatory insurance law. It is a state that doesn’t require auto insurance, but drivers who buy auto insurance must have MedPay. All other states have MedPay as optional coverage.

The Difference Between MedPay and Other Policies

It’s not likely to have MedPay as a stand-alone car insurance coverage. Medical payments coverage attaches to an auto insurance policy.

One of the options similar to MedPay is personal injury protection (PIP). Both coverages pay for bodily injury in some way, but there are some differences between them. Shouldn’t liability car insurance pay for it? Not exactly. Let’s examine the differences between MedPay, liability auto insurance, and PIP.

Vs. Liability Auto Insurance Coverage

Liability coverage is made of bodily injury liability and property damage liability. These two coverages provide coverage when you’re at fault in an accident. Therefore, liability insurance doesn’t provide compensation to you, but it provides payment for bodily injury and property damage to the no-fault driver.

MedPay claims pay for medical bills regardless of fault. However, MedPay will not cover your property damage.

Vs. Personal Injury Protection (PIP)

PIP compensates the policyholder’s personal injury costs. Personal injury includes lost wages, child care, and any expenses that cause you to lose money due to an accident. PIP rarely covers medical bills, but MedPay can fill in the gaps where PIP won’t cover.

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Why You Need Medical Payments Coverage: The Bottom Line

So what is MedPay? MedPay is no-fault insurance that covers areas where liability coverage and PIP won’t cover. It’s a safeguard that can supplement your health insurance and gives you more than one option to take on expensive medical bills. Based on the monthly cost, you can save thousands of dollars if you buy medical payments coverage.

Start comparing medical payments coverage quotes by entering your ZIP code into the free comparison tool above.

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