If you choose to pay your medical bills from your health insurance benefits, after PIP and Med Pay have been exhausted, any applicable deductible must be satisfied first. Depending on the deductible on your health insurance policy, you could be 
responsible normally for $2,000- $5,000 up front, in addition to any copays every time you visit a doctor. This can really add up. Many health insurance plans have copays of $40-$50 dollars every time you visit a doctor. In a typical auto injury case, you may be required to have treatment — either for therapy or to visit a doctor — 30-40 times over the course of several months, which can become expensive, especially since many health insurance plans reset the deductible every calendar year. This means that if you are hurt in September and your case runs through the first of the next year, you will have to pay your deductible twice during the course of your case. Most injury cases last 6 – 8 months without litigation, and 1 to 2 years from the date of the injury if the insurance company forces you to litigate the case.
It is strictly your decision as to how you want to pay for your medical bills once PIP and MedPay run out, but an important financial one. This deductible expense is why most people injured in car or motorcycle crashes choose to pay the remainder of their medical bills with a Letter of Protection (LOP) instead of health insurance. A Letter of Protection is a letter sent by the attorney of an injured party to a medical provider agreeing to pay the medical expenses owed by the patient out of any future recovery whether by settlement or by trial and judgment.
However, if you do not have health insurance coverage, it may make sense for you to buy more MedPay to help cover your medical bills. Like many insurance decisions, you need to review your own finances and family situation to determine the appropriate amount of insurance coverage to purchase on your auto insurance policy.
