Should you Use Med Pay or Health Insurance in a Personal Injury Claim?

Med Pay, also known as Personal Injury Protection or “PIP” for short, is insurance coverage that you purchase with you own auto insurance plan. It functions as a pot of money sitting there waiting to be used in the event that you get hurt while driving. Med Pay or PIP is also known as “no-fault insurance” because if you are injured and use that money, there is no penalty against your insurance. You are entitled to use that money whether you were injured by someone else or by your own actions. Health insurance is private insurance that you purchase in order to cover the cost of medical care when you need medical attention. Your health insurance is limited to the type of coverage that you purchase. Some health insurance plans cover things that other do not. Some will cover the cost of chiropractor visits, but most will not. Health insurance can also be used when you are harmed by someone else or by your own actions; it is essentially “no-fault” insurance like Med Pay. When getting either health insurance of Med Pay, you need to know the coverage types along with the other terms and conditions so you can be sure that your insurance will take care of you in the event that you are injured.

When you are injured and it is not your fault, your health insurance provider may not pay your medical bills until you have used your Med Pay first. If you have Med Pay, you will have to use the balance in your Med Pay account before the insurance provider will pay out for additional medical bills.

For many, their first option is to use Med Pay to cover the costs of any treatment right up front. However, this may not always be the best choice. You need to remember that your health insurance will not pay for every kind of treatment that you may need. Therefore, you should you need an ER visit and chiropractic care, it would be wise to submit the ER bill to your health insurance and have your Med Pay cover your chiropractor bills so that you do not have to go without treatment.

If you have been injured and are unsure about the Med Pay/Health Insurance process, give Injury Defenders a call today at 435-256-0532 to discuss any questions you have. No charge for the call. Also, it is important to note that your attorney may have access to other ways of getting you the medical attention that you need. Seek a free consultation today.

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