Medical Payments Coverage — Texas
Medical Payments Coverage pays medical bills for you and your passengers after an accident, regardless of who caused it.
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What Is Medical Payments Coverage Insurance?
Medical Payments Coverage, called MedPay, reimburses medical expenses for you and anyone riding in your car after an accident. It pays out immediately after treatment without requiring you to prove who caused the crash, file a liability claim against the other driver, or wait for their insurer to settle.
Who Needs Medical Payments Coverage Insurance?
MedPay makes sense if your health insurance carries a high deductible or co-pay and you want immediate reimbursement after an accident without filing through Medicare or waiting for the other driver's liability claim to settle. It's particularly useful for retirees who frequently drive with a spouse or grandchildren, since it covers all passengers up to the per-person limit. If you drive an older paid-off car and dropped collision and comprehensive, keeping a small MedPay policy preserves some injury protection without the cost of full coverage.
Compare your health insurance deductible to the MedPay premium. If your Medicare supplement has no deductible and covers accident treatment fully, MedPay duplicates coverage you already own.
How Much Does Medical Payments Coverage Insurance Cost?
- Whether you carry health insurance — carriers sometimes offer lower MedPay rates if you prove existing health coverage, since the insurer's exposure drops.
- Number of drivers on the policy — each driver and passenger is covered up to the per-person limit, so a two-driver household doubles potential payout.
- Carrier pricing structure — State Farm and USAA tend to price MedPay lower for retirees than Progressive or Geico in Texas.
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