What is MedPay and Why Should You Get It? – Core Wellness Chiropractic

What is MedPay and Why Should You Get It?

Injury in Oakland CA

We got a call on Tuesday from a woman who had just been in a car accident. She was feeling disoriented and her neck, head and back were feeling more and more sore by the minute. While she did have insurance to cover her car, she did not have MedPay. This would have paid for her medical bills with me or any rehab health care provider that takes insurance, and all for a very low price. Unfortunately, she had to pay out of pocket. I told her that it was wise to add MedPay onto her insurance for future accidents. “But I have Kaiser”, she said. Kaiser will help you with broken bones and will give you drugs for the pain, but they do little to nothing for whiplash, telling you to ride it until the pain goes away. MedPay however, will pay for chiropractic, physical therapy, and sometimes even massage - all much more helpful than drugs in recovering from whiplash.

MedPay is shorthand for Medical Payments. MedPay is a type of auto insurance coverage that allows you to seek medical treatment for injuries related to auto accidents, and the coverage amount varies depending on the premium you pay. With MedPay, you are able to receive hospital, chiropractic, and physical therapy and other rehabilitative care for auto-related accidents, regardless of whether or not you were at fault for the accident, and it is paid for by your insurer. MedPay follows you, the insured, wherever you go. It works as a great supplement to health insurance because health insurance won’t pay for chiropractic, whereas MedPay will. It’s a must if you have a car - the benefits far outweigh the cost.

Coverage and Premiums

In California, MedPay is an additional policy that must be chosen by the policyholder. Most auto insurance policies offer these med-pay limits: $1,000, $2,000, $5,000, $10,000, and $25,000. Costs run from an additional $2 a month to $37 a month depending on the amount of MedPay protection you get. I suggest getting $10,000. For my insurance, this costs me less than $100 a year and gives me and up to four of my passengers $10,000 EACH should we get in an accident, regardless of fault.

Coverage includes reasonable and necessary medical bills as a result of any bodily injury that arises from the accident. Some people debate using this benefit coverage because they worry their insurance rates will go up; however, insurance companies cannot raise your insurance rates for utilizing your MedPay coverage.

If you have a car, make sure you have MedPay. You are protecting yourself and your passengers from potential accidents that may happen, and you are protected in case the at-fault driver does not have auto insurance (despite the law, up to 50% of people drive without it!). Unlike health insurance, which places restrictions on the kind of care you can seek and where, MedPay does not have unreasonable restrictions on what is and is not covered, so chiropractic treatments are covered. MedPay also conserves any limited health insurance benefits you do have. Relatively speaking, MedPay is inexpensive. For around 50-100$ a year, you can have $5,000-$10,000 coverage for you and your passengers. Again, I recommend $10,000 in coverage.

Want to learn more about MedPay insurance? Talk to my favorite insurance broker, Aaron Hichman at Brignoli and Ghiri.

Were you or someone you know recently involved in a car accident? Don’t wait it out. We can help you, whether you have MedPay or not. Give us a call at 510-922-1579 to make an appointment. Or, feel free to text us at 510-292-9948.


8:00am - 5:00pm

9:30am - 6:30pm

8:00am - 5:00pm

9:30am - 6:30pm



Core Wellness Chiropractic
600 Grand Avenue #301
Oakland, CA 94610
(510) 922-1579

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