What is medical payment (med pay) insurance coverage?

In Missouri, medical payment coverage is commonly referred to as “Med Pay” by insurance companies. Medical payment coverage, unlike liability or uninsured motorist coverage, is optional in Missouri, meaning state law does not require you purchase it. Medical payment coverage is not fault based and provides insurance benefits regardless of who caused a car, truck or motorcycle accident.

Why purchase medical payment insurance?

Typically, clients will use medical payment coverage to pay deductibles or co-pays from their health insurance company for injury related treatment. Most injured people do not realize medical bills paid by your health insurance may be submitted to “Med Pay” without the need to repay your health insurer. Under this scenario, med pay is basically “free money.”

Do not give your medical payment insurance coverage away!

In some cases, your health insurance company may try to take away your rights to medical payment coverage. Even worse, we have seen doctors in the St. Louis area obtain an assignment of benefits from their patients and bill med pay instead of the health insurance company since they can be repaid at a higher rate. Our St. Louis personal injury lawyers will ensure this does not happen to you! Make sure you do not fall into this trap! You paid for med pay coverage and are entitled to have it applied to your personal injuries!

We give “2 Thumbs Up” to medical payment coverage!

Generally, in Missouri, medical payment coverage is cheap and we highly recommend purchasing it, especially for families that live paycheck to paycheck. Many times, personal injury cases can take years to resolve. In the meantime, your medical providers and the insurance companies are not going to wait for the case to settle to recoup your deductibles and co-pays. This is where Med Pay steps in and saves you from credit bureaus ruining your credit score.

Our lawyers are here to answer your questions about medical payment insurance coverage. If you have questions regarding medical payment insurance coverage, please contact us for a free consultation.

February 20th, 2014 by Ryan E. Bradley

Ryan Bradley is a trial lawyer and owner of The Bradley Law Firm. He specializes in catastrophic personal injury ad wrongful death cases.

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Our Personal Injury Attorneys have proudly collected TENS OF MILLIONS of dollars in compensation for clients. Below are some of our recent personal injury case results.

$30M Sexual Assault
$14.25M Motorcyle Crash
$10.5M Fatal Wreck
$4M Product Liability
$4M Wrongful Death
$2M 18-Wheeler Wreck
$2M Wrongful Death Trucking Crash
$2M Wrongful Death Tractor Trailer
$1.7M Van Crash
$1M Truck Crash
$1M 18-Wheeler Wreck
$321K Auto Crash
$300K Motorcycle Wreck
$300K SUV Wreck
$225K Truck Crash

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What Our Clients Are Saying

"Overall, I had a great experience working with The Bradley Law Firm!! I would recommend Ryan and his team to anyone. Being involved in a car accident can be quite stressful and dealing with insurance companies can be even more stressful. Having Ryan in my corner lifted a huge burden off my shoulders and made this process much easier for me. They handled everything. Tina is great…she is awesome! She’s extremely patient and kept me informed throughout the entire process. The Bradley Law Firm team is very personable, easy to talk to, and a pleasure to work with."


St Louis Personal Injury Lawyer

Our Results

Our Personal Injury Attorneys have proudly collected TENS OF MILLIONS of dollars in compensation for clients.

St Louis Personal Injury Lawyer

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It is our mission to ensure you receive a maximum recovery for all of your damages, to the fullest extent under the law.


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1424 Washington Ave
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St. Louis, MO 63103


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Kansas City, Missouri

107 W. 9th Street
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St. Louis Lawyer Disclaimer: The legal information offered herein by The Bradley Law Firm, is not formal legal advice, nor is it the formation of an attorney client relationship. In order for our firm to be considered your attorney there must be a signed agreement between the client and the firm. Any results set forth herein are based solely upon the circumstances of that particular case and offer no promise or guarantee upon the outcome of any other case. Please contact a lawyer for a consultation. This site is not intended to solicit clients outside the State of Missouri or Illinois. The Bradley Law Firm may co-counsel or associate with other law firms around the country at its discretion from initial intake through litigation when it deems appropriate.

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