Does Medicare cover car accidents?

If you're on Medicare and were involved in a car accident, you may be wondering does Medicare cover car accidents? The answer is yes, but it can be complicated based on what type of Medicare coverage you have, local laws, and always what Medicare deems as "medically necessary." Read more to find out if you are covered on Medicare, and compare health insurance rates 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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UPDATED: Jun 1, 2022

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The Highlights

  • Medicare is a type of health insurance, so it will not cover car accidents, but if you are injured in a car accident, Medicare should cover the costs of your treatment
  • In some cases, Medicare may not pay out benefits until after your car insurance company pays out their share of the medical coverage
  • If there is a lawsuit following your car accident and you win compensation, you will likely need to consider Medicare and reimburse them for any costs that they paid

If you’ve been involved in a serious car accident that requires medical attention, you are likely thinking about your health insurance. If you’re on Medicare, you’re likely wondering does Medicare cover car accidents?

Medicare will not cover your car accident as a car insurance company would, but if you have sustained injuries in your car accident, Medicare will cover the costs of your medical treatment. However, you need to be enrolled in Medicare Part B to receive this coverage.

Medicare often works like any other type of health insurance but is designed for seniors and people with disabilities. However, it is not traditional coverage for automobile accidents as it is a health care plan. If you have Medicare, you should be covered after a car accident, but in some situations, you may not be. You may want to review your auto insurance policy to see how it coordinates with health insurance plans in the event of an automobile accident. The best time to review your medical coverage options is before you’ve had an accident or need any accident injury treatment.

If you’re ready to buy Medicare coverage and compare health insurance rates in your area, enter your ZIP code above.

Does Medicare cover car accident injuries?

In almost all cases the answer is, yes, but you need to be enrolled in Medicare Part B. Medicare Part B is medical insurance. According to, Medicare Part B is meant to cover medically necessary services and preventive services.

This means your car accident injuries will most likely be covered by your Medicare Part B coverage. However, certain situations may arise where your car insurance coverage is responsible for paying for certain medical procedures or services based on your policy. In these situations Medicare may not pay until your car insurance company pay their share.

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Do I have to pay for Medicare Part B coverage?

Yes, Medicare Part B coverage includes a deductible for medical benefits and other costs associated with traditional health insurance policies. We know that understanding health care deductibles can be confusing.

Medicare Part B Estimated Monthly Premiums, Deductibles, and Coinsurance Rates
Deductible, and
Estimated Monthly Medicare Part B Rates
Standard Part B
Part B deductible
and coinsurance
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I thought Medicare was free?

Medicare Part A is typically free or very low-cost for most individuals who have paid into the Medicare system through the course of their employment.

Does Medicare Part A cover car accident injuries?

No, Medicare Part A is hospital insurance. This coverage is designed to cover the costs of hospital stays and other in-patient services rendered in hospitals or care facilities. Medicare Part A does not pay for standard medical treatment or procedures like Medicare Part B.

Does Medicare cover auto accidents?

Not Medicare Part A. If you’re concerned about your Medicare coverage, make sure that you are enrolled in both Part A and Part B. Your coverage may vary based on supplemental plans, local laws, and what Medicare deems as “medically necessary.” Check with your auto insurance company on what the coverage limits would be, in the event of an accident. It’s important to know what type of coverage is available to you.

If you’re ready to enroll in Medicare coverage, enter your ZIP code below to see health insurance rates in your local area.

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