Medical Payments Coverage for Senior Drivers
Medical Payments Coverage (MedPay) pays medical expenses for you and your passengers after an auto accident, regardless of who caused it.
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What Is Medical Payments Coverage Insurance?
Medical Payments Coverage pays for medical and funeral expenses resulting from an auto accident, covering you, your passengers, and family members driving your vehicle — regardless of fault. Unlike health insurance, MedPay requires no coordination of benefits paperwork and pays out quickly after an accident.
Who Needs Medical Payments Coverage Insurance?
This is especially valuable for drivers who still commute regularly, take frequent road trips, or live in areas where deer strikes or weather-related accidents are common, since MedPay covers you regardless of fault. If you or your spouse have any health conditions that could complicate injuries from even minor accidents (osteoporosis, blood thinners, previous surgeries), the low cost of MedPay makes it worthwhile.
Compare your MedPay annual premium to your Medicare out-of-pocket maximum and driving patterns.
How Much Does Medical Payments Coverage Insurance Cost?
- State of residence — states with higher medical costs or mandated PIP instead of optional MedPay see different pricing
- Driving record — senior drivers with clean records for 3+ years qualify for lower MedPay rates
- Vehicle type — newer vehicles with advanced safety features may qualify for medical coverage discounts
- Existing health insurance — some insurers offer lower MedPay rates if you demonstrate Medicare coverage, since it reduces their exposure
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