Attorneys and Medical Providers share a common sigh of relief when our clients/patients have Med Pay coverage. It simply makes receiving payment easier and quicker, two adjectives not often used when dealing with insurance companies. In this blog post, we’re going to try to dispel some of the common myths you have heard about Med Pay.
Myth #1: Med Pay never requires reimbursement.
Clients are often surprised when their insurance carrier requests payment reimbursement after their personal injury case is settled. The fine print on many policies does allow insurers to seek reimbursement, but clients must know their rights. If a client is not “made whole” by the Med Pay funds, the client is not legally required to reimburse Med Pay. A good attorney will make this argument on behalf of the client, or at the very least they will negotiate down the Med Pay reimbursement amount.
Myth #2: Med Pay is only needed if I don’t have health insurance.
Health insurance may cover certain injuries, but finding an approved provider, proving there are no pre-existing conditions, paying deductibles and a host of other hurdles can delay care when time is of the essence. For approximately $20 per year, you can receive $1,000.00 worth of med pay coverage. Why risk health insurance when a cheaper and better option exists?
Myth #3: Med Pay should be paid to attorneys, not directly to medical providers.
Unfortunately, we’ve heard stories of attorneys withholding Med Pay disbursements until settlement, or even worse, taking a fee on Med Pay. If you have had such an attorney it is time for you to find new legal representation.
Myth # 4: Med Pay only covers insured drivers, not passengers.
Med Pay is actually purchased on a “per vehicle” basis. According to most Med Pay policy language, anyone injured in the insured’s vehicle is eligible for Med Pay. However, some policies make exclusions so you need to read the fine print. Moreover, if you or your family member are injured in someone else’s car, your Med Pay remains valid as a supplement or replacement coverage to the car owner’s insurance.
Myth #5: Using Med Pay weakens my personal injury lawsuit.
A negligent at-fault driver is liable for all of your medical bills regardless of Med Pay availability. If anything, Med Pay helps your personal injury lawsuit by facilitating consistent medical treatment.
If you or someone you know has been injured in an auto accident, you need to know your rights. Contact Harris Personal Injury Lawyers today for a free case consultation.