Missouri Auto Insurance: How MedPay Can Help Cover Chiropractic Care After a Car Accident

What Is MedPay and How Does It Work in Missouri?

MedPay is an optional coverage that helps pay for medical expenses related to an auto accident. If you choose to add MedPay to your policy, it can help cover:

• Chiropractic Care: MedPay covers chiropractic treatments, such as spinal adjustments and therapeutic massages, up to your policy limit.
  
  

• Physical Therapy: MedPay also covers physical therapy and other rehabilitation treatments if prescribed by your chiropractor.
  
  

• Diagnostic Imaging: Costs for X-rays, MRIs, and other diagnostic tests recommended by your chiropractor may also be covered by MedPay.
  
  

How to Use MedPay for Chiropractic Care

To use MedPay for chiropractic care:

1. Verify Your MedPay Coverage: Review your policy to ensure you have MedPay coverage and understand the limit of your coverage.
   
   

2. Seek Chiropractic Care Early: After the accident, visit a chiropractor as soon as possible. Even minor injuries can benefit from early chiropractic care.
   
   

3. Submit Your Claim: Your chiropractor will typically submit your medical bills directly to your insurance company, ensuring that the treatment is covered under MedPay.
   
   

FAQs:

• Does MedPay cover chiropractic care in Missouri? Yes, MedPay covers chiropractic care, including treatments like spinal adjustments and physical therapy, for accidents occurring in Missouri.
  
  

• How much MedPay coverage should I have for chiropractic care? The amount of MedPay coverage you should have depends on your healthcare needs. Policies typically offer coverage between $1,000 and $10,000.
  
  

• Can I use MedPay if I have health insurance? Yes, MedPay can be used alongside your health insurance to cover additional medical expenses after a car accident.
  
  

• What’s the difference between PIP and MedPay in Missouri? Unlike Kansas, Missouri does not require PIP, but MedPay is an optional coverage that can cover medical bills like chiropractic care after a car accident.

Disclaimer: This blog post is for educational purposes only. For specific details regarding your insurance benefits, please contact your insurance provider.