| If you are hurt in a car accident, need medical attention, | | | | co-pays. Therefore, even before you receive any sort |
| and have your own health insurance, that insurance | | | | of settlement from the defendant's car insurance, your |
| may cover the cost of your treatment. Upon seeking | | | | out-of-pocket costs should be minimal.Of course, |
| treatment, your regular health insurance will cover as | | | | whether or not MedPay will take care of all or a |
| much as is mandated by your policy. Arizona case law | | | | majority of your medical expenses depends on your |
| dictates that these plans may not assert a lien (a form | | | | coverage limit. |
| of security interest or legal claim to then recoup the | | | | Depending on the circumstances of your case, you |
| money spent on you) on your case or seek | | | | could have multiple MedPay coverages available. For |
| subrogation to recover for medical costs paid to your | | | | example, let's say you have MedPay coverage on |
| providers on your behalf. However, you will still be | | | | your own car insurance, but you are involved in a car |
| responsible for all of your co-pays as well as any | | | | accident as a passenger in your friend's car. Since |
| additional costs your primary health insurance does not | | | | your MedPay coverage follows you if you are |
| cover. | | | | involved in an accident, your MedPay will cover your |
| If you are fortunate to have car insurance with medical | | | | medical expenses up to the limits of your policy. If your |
| payments benefits or MedPay coverage, you can | | | | friend also has MedPay coverage, you would have the |
| expect your insurance company to cover a portion of | | | | benefit of her MedPay coverage because you were a |
| your medical bills up to the limit of your coverage. | | | | passenger in her vehicle.Some insurance carriers may |
| MedPay is a no-fault insurance coverage that will | | | | be entitled to reimbursement of the MedPay benefits |
| cover your medical costs regardless of who is at fault | | | | paid on your behalf from any available third party |
| for the accident. MedPay can be used as the primary | | | | coverage (i.e. the insurance that covers the car of the |
| insurance to cover your medical expenses (if you do | | | | person who was at fault for the accident), but they |
| not have health insurance) or to supplement your | | | | are generally limited to recover for benefits paid in |
| primary health insurance. | | | | excess of $10,000. |
| If you do not have health insurance, MedPay provides | | | | (Please note: while informative, these posts are not |
| one major benefit: you do not generally need to wait | | | | intended to be formal legal advice and are not |
| until you settle with the third party insurance company | | | | completely authoritative and should not be solely relied |
| to pay your medical expenses or to cover your | | | | on as a primary basis for legal action. |