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Colorado injury attorneys
Colorado personal injury lawyers.

Mintz Law Firm, LLC
605 Parfet St., Suite 102
Lakewood, Colorado 80215
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Phone: 303-462-2999 (Denver)
Toll Free: 1-800-4-INJURY
Fax: (303) 233-8999
Email: info@4injury.net

Colorado Injury Lawyers

 

Denver
Personal Injury Lawyers

“Exclusively dedicated to protecting the rights of injured people.”

Denver Personal Injury Lawyers

Colorado’s New Medpay Law – Effective January 1, 2009

The cost of medical care, especially emergency medical care, is very expensive. Medpay may help.

What is Medpay? Medpay is short for “medical payments coverage.” Medpay is additional coverage that you can purchase as part of your auto insurance policy that will pay for medical expenses from an auto accident. Medpay is different than health insurance coverage because you do not have to pay any deductibles or co-pays before medpay coverage can be used.

If you get a notice that medpay is available to you for an accident that you have been involved in call 303-462-2999 or 1-800-4-INJURY so that we can help you make the most of the medpay benefit available to you and help you coordinate that coverage with other coverage that may be available.

Who is covered? Anyone in your vehicle, even if they do not have health insurance, is covered by medpay. Medpay coverage can be used regardless of who was at fault for the accident.

What’s new in the law? When you renew a Colorado auto insurance policy after January 1, 2009, the insurer must offer you at least $5,000.00 in medical payments coverage. If you do use your medical payments coverage, your insurance company cannot get reimbursed from any amounts that you collect from an at fault party. If an insurance carrier does not offer at least $5,000.00 in medpay coverage it may be required to provide that coverage anyway. Which medical providers get paid first from medpay coverage is also controlled by the new law.

Who is paid? Certain medical providers are given priority over others when seeking to get paid from medpay coverage. Claims for ambulance trips, including air ambulances, are given the first priority, followed by claims by trauma physicians and trauma facilities, such as emergency rooms. After those providers are paid, medpay coverage can be used for other medical care.

Even before January 1, 2009, you can call your insurance company to add medical payments coverage to your policy. Insurance companies offer different amounts of medpay coverage.

What’s the benefit of having Medpay? The cost of medical care, especially emergency medical care, is very expensive. It is not unusual for medical providers to charge over $2,000.00 for an ambulance trip and routine emergency room visit. Even if you have health insurance, sometimes the co-pays and deductibles you are required to pay make it difficult to afford the care you need.

What policies are NOT covered by this new law? Policies written for coverage on motorcycles, motorscooters, motorized bicycles, snowmobiles, or vehicles designed primarily for off-road use or on rails are not covered by this new law. That only means that an insurance company does not have to offer at least $5,000.00 of medpay coverage when writing or rewriting those policies after January 1, 2009. However, that coverage may be available, but the person applying for the insurance will have to ask for medpay coverage.

 

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Denver Personal Injury Attorneys
—Mintz Law Firm, LLC

Disclaimer: This website and its content are for informational purposes only and should not be construed as legal advice. Every case is different and should be evaluated by an attorney. Please call Mintz Law Firm, LLC, at 303-462-2999 or 1-800-4-INJURY, so that we can discuss how the law applies to your case.