Does Medicare cover car accident injuries?

Yes, Medicare covers auto accident injuries as long as you have Medicare Plans Part A and B. This coverage includes emergency ambulance transportation and in-patient hospital care. What you need to know about Medicare and car accident settlements is that coverage only kicks in after the limits of your existing car insurance and health insurance coverage have been met. Learn more about how Medicare covers car accident injuries in our guide below.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jan 26, 2021

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What you need to know...

  • Medicare Plans Part A and B will cover most medical expenses after an accident.
  • Medicare Part D will cover prescription drug costs after a car accident.
  • If you live in Michigan, you may need to purchase additional PIP insurance if your Medicare coverage is inadequate.

Does Medicare cover auto accident injuries? The good news is it does if you have Medicare Part A and B. In this case, most of your medical expenses will be covered after a major or minor car accident. These health insurance plans include emergency ambulance transportation and in-patient hospital care.

After a car accident, Medicare covers any emergency room treatments, minus your deductible and coinsurance. Depending on your coverage plan, X-rays and other diagnostic tests may also be covered.

For the best health insurance rates, call the toll-free number above or enter your ZIP code in our FREE quote box today to find affordable health insurance quotes near you.

Does Medicare cover car accident injuries?

When it comes to covering car accident injuries, Medicare and auto accident settlements will typically follow the federal “Secondary Payer” law, which states that if one provider can reasonably cover a claim, the secondary payer will not be required to pay.

This means Medicare will cover car accident injuries only after the limits of your existing car and health insurance policies are reached.

If you have bought or are considering buying supplemental health insurance, you may want to confirm with an insurance agent what your Medicare supplement policy includes.

How does Medicare cover auto accident injuries?

Here is a list of a few ways Medicare covers auto accident injuries. Coverage will vary based on which plan you have, your deductibles, and your co-insurance (if any):

  • Physical Therapy: Medicare Part B can cover up to $2,040 for physical therapy, minus your deductible
  • Chiropractor: Medicare Part B covers up 80 percent, minus your deductible. Medicare does not cover chiropractic X-rays, massage therapy, or acupuncture.
  • Prescriptions: Medicare Part A covers medicine administered in the emergency room, and Medicare Part D may cover any out-patient prescriptions. Up to 80 percent of costs for arm, leg, neck, or back braces may also be covered by Medicare Part B, but you will have to choose from a list of approved providers.
  • Mental Healthcare: Mental health visits are covered by Medicare Part B, minus your deductible and any co-payments.
  • Cosmetic Surgery: If necessary, Medicare Parts A and B may cover cosmetic surgery minus your deductible and coinsurance.

These coverages will vary if you do not have Medicare A and B, or have a Medicare supplement plan from your health insurance provider. Speak with an insurance agent to confirm what is covered by your policy. Get in touch with a local agent today with our free online comparison tool.

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Does Medicare coordinate with auto insurance?

As a Medicare beneficiary, it’s important to find out how much your car insurance will cover and if Medicare will coordinate to pick up any medical expenses your auto insurance policy may not include.

In general, Medicare will coordinate with auto insurance medical coverage. Coordination of benefits rules will apply in situations where more than one provider is paying for coverage. In most cases, your car insurance or health insurance coverage will kick in first.

Depending on your Medicare plan, you may be covered for any remaining medical costs, unless you drive with the minimum level of car insurance required by state law.

Your medical costs are not covered by minimum liability insurance. And if your Medicare coverage is inadequate, you will be responsible for any remaining medical bills out of pocket.

Do I need PIP insurance if I have Medicare?

As no-fault insurance laws in some states are changing, Medicare beneficiaries may be able to opt-out of state-required Personal Injury Protection (PIP) insurance if they are on Medicare plans Part A and B.

You do not need PIP insurance if you have Medicare, but if you don’t have Medicare or any other health insurance coverage, PIP insurance is required and recommended.

Does Medicare cover auto accident injuries in Michigan?

Drivers in Michigan need to be especially aware of how Michigan’s no-fault car insurance laws impact Medicare coverage. According to Michigan auto insurance laws, drivers enrolled in Medicare can purchase lower levels of PIP insurance, but Medicare will only pay for Medicare-covered services.

Medicare does cover auto accident injuries in Michigan but this coverage does not include in-home care, long-term care, or any residential treatment programs after an auto accident. Drivers will need to purchase higher levels of PIP insurance if they want or need any additional coverage.

To find out how much PIP auto insurance will cost you, and to find out how expensive Medicare rates are in your state, enter your ZIP code below. Always compare health insurance quotes before you buy health insurance to guarantee you get the best policy for the price.

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