- About us
- Practice Areas
- Personal Injury
- Business and Agriculture
- Why Choose us
- Free Resources
- Contact Us
- (559) 436-0850
What is excess medical pay? Hi, I’m Frank Nunes. I’m a California personal injury trial attorney practicing in the state of California. I want to explain to you what medical payment coverage is and then we’ll talk about the differences between standard medical payments coverage and excess medical payments coverage.
If you’re watching this video, you most likely received a letter from your automobile insurance company denying the medical bill that you submitted. They’re telling you you’re going to have to send it to your health insurance first, or provide them with proof that you don’t have health insurance.
That is the difference between standard medical payments and excess medical payments coverage. Here’s an example, one of my clients came to my office, one of his med bills that he had submitted to his automobile policy expecting it to be paid under his medical payments coverage. After all, that’s why he purchased that. He received a letter back from them refusing to even consider the bill until he had shown them proof that he had submitted it to his health insurance.
Well guess what? He didn’t have health insurance, so there was no one to submit the bill to for it to be rejected and submitted to excess medical pay. What did we do? Contacted the insurance company, explained the situation. They sent out forms. We filled those forms out and essentially the forms were testing that he had no other insurance to pay for his medical bills, except the medical payments coverage on his policy. When they got that, they started paying the bills right away.
Another example is people oftentimes have Medicaid or Medi-Cal, as it’s called in California. That is not a primary payer. That is usually a payer of last resort. It’s the equivalent, or the same thing, of not having any insurance. Again, people’s bills will be submitted and the insurance company will deny them saying, you have to submit them to your insurance company first.
We call them, like we’ve done another cases, and they say, well, the person has Medi-Cal or Medicaid. It needs to pay first, Medi-Cal and Medicaid are payers of last resort. They require that the insurance private sources pay first before they will open up their checkbook and pay anything after that.
In practicality, once the med pay pays it’s part of the bill, there’s really nothing left for Medi-Cal or Medicaid to pay. Well, that’s it for today’s video explaining excess medical payments coverage.
By the way, if you found this information useful, subscribe to our YouTube channel. Why? So you can continue to get great new content every time we post another great educational video.
And if you have questions, I want you to pick up the phone and call me since I can answer those questions. I answer questions like this every day. You can reach me at (559) 234-4712. I’m Frank Nunes and thanks for watching.
My job starts when I leave home…Two cars hit me head on… Out of all the attorneys on Youtube, Frank M. Nunes at Nunes Law stood out… Frank told me that after meeting he thought that he could help me with my case… Frank helped me get a workers’ comp attorney…Frank worked with my worker’s comp attorney…Frank worked hard on my case. He took the time to explain everything to me. Frank really got my case going. He got results. He settled out of court. I was very satisfied with the settlement. Frank did a fantastic job. Thank you, Frank
My daughter and I were looking for an attorney after being involved in a car accident. After reading many exceptional reviews about The Law Office of Frank M. Nunes, we contacted them. We went to an interview and were very impressed. We would suggest that if you are looking for an attorney who is honest, straight-forward, and very personable, who will get the most for your injuries, then look no further. Frank Nunes is the attorney for you!
I have worked with a number of attorneys over my 73 years. When I found myself a victim of a rear end auto accident and with Insurance Companies giving me the good old run around treatment, I knew I needed help. Dreading to talk with one of the attorneys I used in the past because I deemed them as big a problem as I was encountering, I decided to look for a new face to represent me. I found Frank Nunes and his staff of professionals, from the moment I met and counseled with them they helped me get my life back on track both physically and legally. If I ever need a counselor for any legal matter in the future, I will be seeking the advice and counsel of Frank Nunes and his staff of professionals.
Thanks, Frank and all your staff, for all your help both personally and legally.
We were looking for a lawyer for a lawsuit against a woman who hit me with her car. … Frank was able to collect from her insurance and our insurance, which was very helpful for us. Frank and the secretaries in the office were very good at helping me stay calm and confident. …
You walked me through every procedure of the lawsuit [and] cared and worked for us to come out of this suit with something that would help us.
Frank and his staff care for their clients and that means so much to us!!
[Frank Nunes] came highly recommended by an insurance company employee who knew [him].
Mr. Nunes is very knowledgeable about the field of auto accidents; he is very practical and pragmatic. His patience is amazing and he can explain the details and nuances of a case with clarity. He works very hard for his clients!
[He was] very good to listen to the accident situation and to offer counsel and advice about what to do next and where to go for the needed medical treatment. [He was] willing to listen to the concerns we had about the accident and the insurance process. [He] made every effort to get us a fair and reasonable settlement in a timely manner. [He was] very straight-forward and realistic.
We were looking for a lawyer because we had a serious car accident and when we met Frank Nunes we felt comfortable and we knew he was trust worthy. We would recommend Frank Nunes in a heart beat. He helped us with the bills that were coming in and [gave] us guidance in what to do.
You are the best! [You are] trustworthy and so helpful. You answered all of my questions and kept me in the loop with my case.
I was involved in an automobile accident. And heard of your reputation and was please to know u were a former Selma bear.
[Frank Nunes] is the best out there and he will get the job done. [He] kept in close contact made sure I was taken care of.
[Nunes Law was] easy to work with and I got a good [auto accident] settlement. [They] took care of everything with no hassles.
Mr. Nunes is very good at his job. He even continued to help me after he got paid and even just checked in to see how I was doing.
[I] had a trip and fall and [on a stone paver in a large retail store], but chose not to resolve for [their minimal offer]. [I] found Frank Nunes in an on line search.
Mr. Nunes took a personal interest in my case and the affect this injury caused me and my family. I know very little about navigating a legal action. Mr. Nunes navigated for me, but also explained and updated me throughout the process.
Mr. Nunes is professional & personable. His office staff is fantastic. It’s a win-win!
We represent clients injured in tractor-trailer crashes as well as auto accidents. Contact us today at (559) 436-0850 to schedule a free consultation. Or learn more by reading about why our clients choose us. We offer free consultations. There is no fee if there is no recovery.