Medical payment coverage is supplemental insurance coverage that helps pay for medical expenses that result from an accident, no matter who is at fault. This type of supplemental coverage is not required by the State of Illinois.
Medical pay coverage may help pay for:
- Funeral expenses
- Injuries sustained by passengers
- Injuries sustained as a pedestrian or cyclist
- EMT and ambulance fees
- Hospital visits and stays
- Doctor visits
- Surgery and X-Rays
- Nursing services
- Dental procedures needed after an accident
To determine if you need to buy this additional protection, look at your own health insurance policy. If the policy does not provide enough protection if you are injured in a car accident, you may want to consider buying medical pay coverage. If it does, medical payment coverage may be an unnecessary expense.
Medical payment coverage follows the policyholder. Your medical payments coverage remains active as a passenger in another person’s car and even if you are not in the state you are insured.
How Does Medical Payments Coverage Work?
Medical payment coverage can either work as primary coverage or as a supplement to existing health insurance. This depends on the insurance company and the specific policy.
Medical pay is not meant to replace health insurance.
Do you need more information about medical payment coverage? Our agents and customer service representatives are here to help. Call us today at 1-888-949-6289 or visit your nearest Insurance Navy location. For your convenience, Insurance Navy is open from 8 a.m. to 9 p.m. CST, 7 days a week.
*Please review your own policy carefully for details on medical payment coverage. Medical payment coverage varies by insurance company.