If you’ve been involved in an auto accident in Ohio, hopefully your insurance coverage includes a medical payment provision (MedPay).
Understanding MedPay Coverage
A medical payment provision acts much like traditional health insurance. It covers medical expenses related to a car crash up to a set dollar amount, typically between $500 and $5000.
Covered Medical Expenses
MedPay can cover various medical expenses, including:
- Hospital bills
- Ambulance bills
- Physical therapy
- Chiropractic care
Potential Issues with MedPay
MedPay generally activates automatically without significant hassle from the insurance company. However, there are important points to consider.
Provider Billing Concerns
Health care providers can often bill the insurance company directly for this money without input from the insured. This means that one provider could potentially exhaust all of your MedPay funds without your knowledge.
Managing Your MedPay Funds
You may want to request that the insurance company entrust the MedPay to your representative. This allows your representative to reimburse you for any medical expenses you have paid out of pocket (co-pays, deductibles, etc.) and direct payments to providers as you see fit.
Recorded Statements and MedPay
Sometimes, the insurance company will request a recorded statement before processing medical payments. You may want to consult with a Hamilton personal injury lawyer before providing one to ensure your rights are protected.
Free Consultation Available
Contact Ohio injury attorneys McKenzie & Snyder for a free consultation regarding your case.
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