Who Should Handle Your Med Pay Coverage?

Paramedics and a fireman strapping a wounded woman with a neck brace on a stretcher

Let’s start with what Med Pay is first. Med Pay is short for Medical Payments coverage. This is EXTRA, no-fault coverage you are paying extra dollars for on your auto policy. It covers you when you’re hurt in an auto accident, regardless of fault and has NO NEGATIVE CONSEQUENCES FOR ITS USE. So if you’re in an accident that is not your fault and you have Med Pay, this extra coverage can help supplement your recovery and help mitigate the costs of treatment.

Sometimes health care providers want to bill your med pay directly (especially when you don’t have health insurance). I get it. They want some sort of guarantee of payment. I totally understand that and it’s not necessarily a bad thing; sometimes I even prefer it! But in situations where you have more than one health care provider that’s going to want to get paid from your settlement, then you should be careful about this.

The safest strategy, with a few exceptions, is to let your attorney handle the Med Pay. We know whom to pay, when, and how much, so we’re protecting your recovery while following the law. Health care providers – bless them, for sure – will be more concerned about paying their bill than making sure all of your validly perfected liens are addressed.

So, in short, if you have Med Pay, use it! But make sure you use it wisely and have someone who knows what they’re doing help you out with it. Call me at 919-929-2992.

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Jeffrey Allen Howard, Attorney at Law, PLLC
1829 E. Franklin St. - Bldg 600
Chapel Hill, NC 27514

(P) 919-929-2992
(F) 919-636-4779

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