When it comes to protecting yourself and your loved ones in the event of an accident, having the right insurance coverage is essential. In Massachusetts, one valuable form of coverage to consider is Medical Payments Insurance (MedPay). MedPay is an optional coverage that provides financial assistance for medical expenses resulting from an accident, regardless of who was at fault. In this blog, we will explore the details of Medical Payments Insurance in Massachusetts, highlighting its benefits and coverage options.

What is Medical Payments Insurance (MedPay)?

Medical Payments Insurance, also known as MedPay, is an optional coverage available on automobile insurance policies in Massachusetts. MedPay coverage is designed to help with medical expenses incurred as a result of an accident, regardless of who is responsible. It provides an additional layer of protection on top of other health insurance policies you may have.

Coverage Limits and Options:

When considering MedPay coverage, it’s important to review your policy and understand the coverage limits available. In Massachusetts, MedPay coverage limits typically range from $5,000 to $25,000, although higher limits may be available. It’s advisable to assess your individual needs and select a coverage limit that aligns with your potential medical expenses.

Benefits of MedPay Coverage:

  1. Immediate Access to Funds: One of the significant advantages of MedPay coverage is that it provides immediate access to funds for medical expenses resulting from an accident. This can help alleviate the financial burden of medical bills and allow you to receive the necessary treatment promptly.
  2. Coverage for Various Expenses: MedPay coverage can assist with a range of medical expenses, including but not limited to hospital bills, doctor visits, ambulance fees, surgical procedures, X-rays, and prescription medications. It can also cover costs related to dental treatment, chiropractic care, and prosthetic devices, among others, as long as they are directly related to the accident.
  3. No-Fault Coverage: Unlike liability insurance, MedPay coverage is not dependent on determining fault or liability for the accident. Regardless of who caused the accident, MedPay benefits can be accessed to cover your medical expenses.
  4. Coverage for Passengers: MedPay coverage typically extends to passengers in your vehicle as well. This means that if you are involved in an accident, both you and your passengers may be eligible for MedPay benefits, subject to the policy limits.

Considerations and Coordination of Benefits:

When selecting MedPay coverage, it’s essential to understand how it coordinates with other insurance policies you may have. For instance, in Massachusetts you must first use your Personal Injury Protection (PIP) benefits in an accident before accessing MedPay.  MedPay will pay remaining medical expenses up to the MedPay policy limit you selected.

In some instances, your medical provider may have billed your health insurance policy for their services.  If that happens, the health insurer may attempt to assert a lien against your case to be reimbursed out of any settlement.  In that circumstance, you can use MedPay to pay the health insurer’s lien and leave your settlement proceeds in tact.  In other words, MedPay could mean more money going into your pocket!

MedPay is particularly helpful if you ride a motorcycle.  There is no PIP available on motorcycles.  So MedPay could help to pay your medical expenses after an accident.

Be sure to consult your insurance policy and personal injury lawyer and understand the coordination of benefits rules to maximize your coverage and avoid any potential conflicts.


Medical Payments Insurance (MedPay) can be a valuable addition to your insurance coverage in Massachusetts. It provides financial assistance for medical expenses resulting from an accident, regardless of fault. With immediate access to funds and coverage for various medical expenses, MedPay can help alleviate the financial burden and ensure you receive necessary medical treatment without delay. When considering MedPay coverage, review your policy options, assess your needs, and consult with your insurance provider to select an appropriate coverage limit. By securing MedPay coverage, you can have peace of mind knowing that you have an extra layer of protection to support you and your loved ones in the event of an accident.