If you’re hurt in a car accident, you will need medical care and the money to pay for it. You may say, well, I have health insurance – I’ll use that. But in most cases these days that means paying cash out of your pocket until you’ve met a big deductible. Then there are the co-pays and co-insurance, which is the percent of the medical bills you have to pay along with what the insurance company pays. That’s a lot of money to come up with. And that assumes you have health insurance in the first place.
But if you have med-pay coverage, your insurance policy will pay all the bills of medical providers such as the ambulance company, emergency department doctors, the hospital and so on up to the amount of your coverage. You don’t have to pay any deductible, no co-pays and no co-insurance. Best of all, you don’t have to repay a single dime of what med-pay covers, ever.
Insurance that pays your medical bills, doesn’t cost much to buy and you don’t have to pay it back to anyone if you use it? By all means, get as much as you can.