Medical Insurance

Medical Insurance

MCL .500 .3107 states that economic benefits include medical benefits for “allowable expenses consisting of all reasonable charges incurred for reasonably necessary products, services and accommodations for an insured person’s care, recovery or rehabilitation.

 

Probably the most important of the 4 major no-fault benefits is medical insurance. Few people in Michigan realize that, if involved in a motor vehicle accident and injured, their no-fault coverage (along with their health coverage in in certain circumstances) represents full medical benefits for the rest of a person’s life as it relates to injuries received in the motor vehicle accident.

 

Notwithstanding some complications that can arise if one is using both their medical health care coverage and Michigan no-fault coverage, no-fault in of itself provides unlimited lifetime medical benefits. The only restriction set forth in the Michigan no-fault act is that the medical benefits be “reasonably necessary”. As long as the charges are “reasonable” the no-fault automobile insurance Company assigned to the claim must pay the medical benefits.  Here are some of the highlights of the medical benefits included in Michigan’s no-fault act:

 

  • Medical bills, doctor’s examinations, surgeries, medical appliances;
  • Physical therapy, rehabilitation, and other medical and psychological therapies;
  • The cost of prescription drugs;
  • Medical testing such as CT scans, MRIs, x-rays etc.;
  • Medical equipment and supplies including, wheelchairs, walkers, walking aids, hospital beds
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