What is MedPay?

MedPay, or medical payments coverage, is an insurance benefit that will cover the cost of medical treatment for a driver and/or passenger injured in an accident while traveling in a covered vehicle. Medical payment coverage is available to you without regard to fault. It can sometimes also be available to you when you are injured while a pedestrian, in a slip and fall, or in other situations where insurance coverage may be available.

While it is typically optional for New Hampshire drivers to purchase liability coverage for their vehicle, if a driver does purchase liability coverage, the insurance is required to include at least $1,000 per person in medical payments coverage as well. You will typically have the option to purchase higher amounts of coverage. It is a good idea to purchase MedPay coverage that will at least cover the deductible of any health insurance plan that you have.

When you have been injured in an accident, you have to choose whether you want your health insurance or the medical payment coverage to pay your medical bills. If you are injured in an accident that was someone else’s fault, it is often best to have MedPay cover the initial medical expenses. This is because if your health insurer pays for those expenses, it will likely require you to repay some amount of your benefit once you resolve your liability case. In New Hampshire, the MedPay provider cannot subrogate, or request you to repay, any amount of money from your settlement with or judgment against the responsible party. If you do have your health insurance company pay your medical bills, you can be reimbursed for your deductible or copays through MedPay.

An experienced personal injury attorney can help you determine the amount of MedPay benefits that may be available to you and the best way to use them to maximize your recovery. For more information or to schedule a consultation, please contact Katherine E. Hedges, Esq. at 603-668-2222 or khedges@hagehodes.com

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