{"id":1637,"date":"2014-08-20T05:32:02","date_gmt":"2014-08-20T05:32:02","guid":{"rendered":"https:\/\/northlandinjurylaw.com\/?p=1637"},"modified":"2025-05-07T11:02:03","modified_gmt":"2025-05-07T11:02:03","slug":"importancia-de-la-cobertura-medica","status":"publish","type":"post","link":"https:\/\/northlandinjurylaw.com\/es\/blog\/importancia-de-la-cobertura-medica\/","title":{"rendered":"La importancia de la cobertura m\u00e9dica"},"content":{"rendered":"<p>Muchas personas desconocen la existencia de un seguro complementario conocido como \"cobertura de gastos m\u00e9dicos\", o <a href=\"http:\/\/www.bankrate.com\/finance\/insurance\/why-you-need-medpay-in-car-insurance-2.aspx\" target=\"blank\" rel=\"noopener\">Med Pay<\/a>y c\u00f3mo esta cobertura puede ser de gran ayuda para usted y sus seres queridos tras un accidente de tr\u00e1fico grave. La cobertura Med Pay no es obligatoria en todos los estados y suena un tanto redundante con respecto a la cobertura del seguro m\u00e9dico, por lo que muchas personas descartan r\u00e1pidamente esta cobertura complementaria.<\/p>\n<p>Gran error.<\/p>\n<p><strong>La cobertura Med Pay es una de las mejores ofertas en la industria de seguros de autom\u00f3viles y se lo debe a s\u00ed mismo ya sus seres queridos para conseguirlo. Como abogados de lesiones personales Kansas City que han representado a cientos de v\u00edctimas de accidentes de auto, hemos visto de primera mano c\u00f3mo la cobertura Med Pay puede proporcionar un nivel muy necesario de asistencia financiera durante un momento dif\u00edcil.<\/strong><\/p>\n<p>Las limitaciones de la mayor\u00eda de las p\u00f3lizas de seguro m\u00e9dico, combinadas con la lentitud de las liquidaciones de seguros, pueden dar lugar a gastos m\u00e9dicos pendientes de pago. Aqu\u00ed es donde Med Pay interviene y ayuda.<\/p>\n<p>En t\u00e9rminos sencillos, el Med Pay entra en acci\u00f3n y cubre las facturas m\u00e9dicas hasta el l\u00edmite de su cobertura. El Med Pay se distribuye sin determinar la culpa en el accidente y es accesible para usted, su familia y cualquier otra persona que se encuentre en el veh\u00edculo durante un accidente. La cobertura se desplaza con usted tanto si viaja con un amigo, en autob\u00fas, como con su veh\u00edculo asegurado. La cobertura no suele conllevar copago ni franquicia.<\/p>\n<p>La aseguradora de la otra parte puede tardar varios meses en pagar tus facturas m\u00e9dicas. Aunque su seguro m\u00e9dico pague, las franquicias y los copagos elevados son una preocupaci\u00f3n costosa. Con Med Pay, obtendr\u00e1 una fuente de financiaci\u00f3n inmediata para cubrir sus facturas m\u00e9dicas, copagos y franquicias. Tambi\u00e9n cubre una variedad de gastos de bolsillo que su cobertura m\u00e9dica no cubre, incluyendo pero no limitado a dental, quiropr\u00e1ctica, honorarios de ambulancia y m\u00e1s.<\/p>\n<p>En el <a href=\"http:\/\/www.iii.org\/issue-update\/no-fault-auto-insurance\" target=\"blank\" rel=\"noopener\">12 Estados \"sin culpa<\/a>Med Pay puede incluso hacerse cargo del copago de la parte de \"protecci\u00f3n contra lesiones personales\" (PIP) de su seguro de autom\u00f3vil o del 100 % de la cobertura una vez agotada la PIP.<\/p>\n<p>Lo m\u00e1s probable es que el precio de a\u00f1adir MedPay sea menor de lo que se imagina y que las ventajas superen a los inconvenientes de ahorrarse un par de d\u00f3lares. A continuaci\u00f3n se muestra un escenario simulado para mayor claridad.<\/p>\n<p>MedPay es \u00fatil incluso para los que tienen seguro m\u00e9dico y mucho m\u00e1s importante para los conductores que no tienen cobertura sanitaria. Pero ten en cuenta que no se puede utilizar como sustituto independiente, debes tener cobertura de responsabilidad civil del autom\u00f3vil para obtener MedPay y tendr\u00edas que sufrir una lesi\u00f3n relacionada con el autom\u00f3vil para poder utilizarlo.<\/p>\n<p>Los l\u00edmites de la p\u00f3liza MedPay, a diferencia de la cobertura de responsabilidad civil, no se refieren a la cobertura total disponible, sino a la cantidad disponible para cada persona lesionada cubierta. En t\u00e9rminos generales, si usted, su c\u00f3nyuge y sus hijos resultan heridos en un accidente, cada uno de ustedes podr\u00eda cobrar el importe l\u00edmite de su cobertura MedPay. Sin embargo, su aseguradora no pagar\u00e1 las mismas facturas tanto con su cobertura de responsabilidad civil como con MedPay.<\/p>\n<p>Si no est\u00e1 seguro de qu\u00e9 cobertura tiene y cu\u00e1les son las leyes exigidas en su estado, p\u00f3ngase en contacto con su agente de seguros. En algunos casos, el coste de pasar de $2.000 al mes a $10.000 al mes en MedPay puede ser de s\u00f3lo $10 al a\u00f1o.<\/p>\n<p>Si usted, o alguien que usted conoce, han estado involucrados en un accidente y est\u00e1n en necesidad de un abogado de lesiones por accidente por favor llame Northland Ley de Lesiones en <a href=\"tel:8164004878\">(816)-400-4878<\/a> para una consulta gratuita. Estamos deseando trabajar para usted.<\/p>","protected":false},"excerpt":{"rendered":"<p>Many people aren\u2019t aware of a supplementary insurance coverage known as \u201cmedical expense coverage\u201d, or Med Pay, and how this coverage can be a huge help to you and your loved ones following a serious car accident. Med Pay coverage is not required in every state, and sounds somewhat redundant to carrying health insurance coverage, &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/northlandinjurylaw.com\/es\/blog\/importancia-de-la-cobertura-medica\/\" class=\"more-link\">Seguir leyendo<span class=\"screen-reader-text\"> &#8220;The Importance of Med Pay Coverage&#8221;<\/span><\/a><\/p>","protected":false},"author":5,"featured_media":1885,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[22],"tags":[],"class_list":["post-1637","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-motorcycle-accident-lawyer","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The Importance of Med Pay Coverage - Northland Injury Law<\/title>\n<meta name=\"description\" content=\"Med Pay, Medical Payments Insurance Coverage, Personal Injury Attorney, Personal Injury Lawyers, Car Accident Attorney, Car Accident, Personal Injury\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/northlandinjurylaw.com\/es\/blog\/importancia-de-la-cobertura-medica\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Importance of Med Pay Coverage - Northland Injury Law\" \/>\n<meta property=\"og:description\" content=\"Med Pay, Medical Payments Insurance Coverage, Personal Injury Attorney, Personal Injury Lawyers, Car Accident Attorney, Car Accident, Personal Injury\" \/>\n<meta property=\"og:url\" content=\"https:\/\/northlandinjurylaw.com\/es\/blog\/importancia-de-la-cobertura-medica\/\" \/>\n<meta property=\"og:site_name\" content=\"Northland Injury Law\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/accidentinjurylawyers\/\" \/>\n<meta property=\"article:published_time\" content=\"2014-08-20T05:32:02+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-05-07T11:02:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/northlandinjurylaw.com\/wp-content\/uploads\/2014\/08\/importance-med-pay-coverage-post-img.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1819\" \/>\n\t<meta property=\"og:image:height\" content=\"1022\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Eric Bartlett\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Eric Bartlett\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"La importancia de la cobertura Med Pay - Northland Injury Law","description":"Med Pay, Cobertura de Seguro de Pagos M\u00e9dicos, Abogado de Lesiones Personales, Abogados de Lesiones Personales, Abogado de Accidente de Coche, Accidente de Coche, Lesiones Personales","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/northlandinjurylaw.com\/es\/blog\/importancia-de-la-cobertura-medica\/","og_locale":"es_MX","og_type":"article","og_title":"The Importance of Med Pay Coverage - Northland Injury Law","og_description":"Med Pay, Medical Payments Insurance Coverage, Personal Injury Attorney, Personal Injury Lawyers, Car Accident Attorney, Car Accident, Personal Injury","og_url":"https:\/\/northlandinjurylaw.com\/es\/blog\/importancia-de-la-cobertura-medica\/","og_site_name":"Northland Injury Law","article_publisher":"https:\/\/www.facebook.com\/accidentinjurylawyers\/","article_published_time":"2014-08-20T05:32:02+00:00","article_modified_time":"2025-05-07T11:02:03+00:00","og_image":[{"width":1819,"height":1022,"url":"https:\/\/northlandinjurylaw.com\/wp-content\/uploads\/2014\/08\/importance-med-pay-coverage-post-img.webp","type":"image\/webp"}],"author":"Eric Bartlett","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"Eric Bartlett","Tiempo de lectura":"3 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/northlandinjurylaw.com\/blog\/importance-med-pay-coverage\/#article","isPartOf":{"@id":"https:\/\/northlandinjurylaw.com\/blog\/importance-med-pay-coverage\/"},"author":{"name":"Eric Bartlett","@id":"https:\/\/northlandinjurylaw.com\/#\/schema\/person\/1e35848aa80e77f1c0b4159d4073bc20"},"headline":"The Importance of Med Pay Coverage","datePublished":"2014-08-20T05:32:02+00:00","dateModified":"2025-05-07T11:02:03+00:00","mainEntityOfPage":{"@id":"https:\/\/northlandinjurylaw.com\/blog\/importance-med-pay-coverage\/"},"wordCount":583,"publisher":{"@id":"https:\/\/northlandinjurylaw.com\/#organization"},"image":{"@id":"https:\/\/northlandinjurylaw.com\/blog\/importance-med-pay-coverage\/#primaryimage"},"thumbnailUrl":"https:\/\/northlandinjurylaw.com\/wp-content\/uploads\/2014\/08\/importance-med-pay-coverage-post-img.webp","articleSection":["Motorcycle Accidents"],"inLanguage":"es"},{"@type":"WebPage","@id":"https:\/\/northlandinjurylaw.com\/blog\/importance-med-pay-coverage\/","url":"https:\/\/northlandinjurylaw.com\/blog\/importance-med-pay-coverage\/","name":"La importancia de la cobertura Med Pay - Northland Injury Law","isPartOf":{"@id":"https:\/\/northlandinjurylaw.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/northlandinjurylaw.com\/blog\/importance-med-pay-coverage\/#primaryimage"},"image":{"@id":"https:\/\/northlandinjurylaw.com\/blog\/importance-med-pay-coverage\/#primaryimage"},"thumbnailUrl":"https:\/\/northlandinjurylaw.com\/wp-content\/uploads\/2014\/08\/importance-med-pay-coverage-post-img.webp","datePublished":"2014-08-20T05:32:02+00:00","dateModified":"2025-05-07T11:02:03+00:00","description":"Med Pay, Cobertura de Seguro de Pagos M\u00e9dicos, Abogado de Lesiones Personales, Abogados de Lesiones Personales, Abogado de Accidente de Coche, Accidente de Coche, Lesiones Personales","inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/northlandinjurylaw.com\/blog\/importance-med-pay-coverage\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/northlandinjurylaw.com\/blog\/importance-med-pay-coverage\/#primaryimage","url":"https:\/\/northlandinjurylaw.com\/wp-content\/uploads\/2014\/08\/importance-med-pay-coverage-post-img.webp","contentUrl":"https:\/\/northlandinjurylaw.com\/wp-content\/uploads\/2014\/08\/importance-med-pay-coverage-post-img.webp","width":1819,"height":1022,"caption":"The Importance of Med Pay Coverage"},{"@type":"WebSite","@id":"https:\/\/northlandinjurylaw.com\/#website","url":"https:\/\/northlandinjurylaw.com\/","name":"Ley de lesiones de Northland","description":"","publisher":{"@id":"https:\/\/northlandinjurylaw.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/northlandinjurylaw.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Organization","@id":"https:\/\/northlandinjurylaw.com\/#organization","name":"Ley de lesiones de Northland","url":"https:\/\/northlandinjurylaw.com\/","logo":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/northlandinjurylaw.com\/#\/schema\/logo\/image\/","url":"https:\/\/northlandinjurylaw.com\/wp-content\/uploads\/2024\/05\/logo.jpg","contentUrl":"https:\/\/northlandinjurylaw.com\/wp-content\/uploads\/2024\/05\/logo.jpg","width":415,"height":103,"caption":"Northland Injury Law"},"image":{"@id":"https:\/\/northlandinjurylaw.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/accidentinjurylawyers\/","https:\/\/www.linkedin.com\/company\/northland-injury-law","https:\/\/www.instagram.com\/northlandinjurylaw\/","https:\/\/www.youtube.com\/@northlandinjurylaw4755","https:\/\/www.yelp.com\/biz\/northland-injury-law-kansas-city","https:\/\/www.lawinfo.com\/lawfirm\/missouri\/kansas-city\/northland-injury-law\/ca10cabc-467c-446b-bfc0-f673053baf63.html","https:\/\/profiles.superlawyers.com\/missouri\/kansas-city\/lawfirm\/northland-injury-law\/ca10cabc-467c-446b-bfc0-f673053baf63.html","https:\/\/lawyers.findlaw.com\/profile\/view\/2362635_1","https:\/\/reviews.birdeye.com\/northland-injury-law-164779247415291","https:\/\/localspark.com\/listings\/legal-services\/kansas-city-mo\/northland-injury-law-5600-ne-antioch-rd-kansas-city-mo-64119\/","https:\/\/www.zoominfo.com\/p\/Stephen-Mowry\/126980529","https:\/\/www.datanyze.com\/companies\/northland-injury-law\/358568082"]},{"@type":"Person","@id":"https:\/\/northlandinjurylaw.com\/#\/schema\/person\/1e35848aa80e77f1c0b4159d4073bc20","name":"Eric Bartlett","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/secure.gravatar.com\/avatar\/bf253cf71e20f6e1cffd8b8f42de35214279011bf47dbcb56d2ffc79a4f5d414?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/bf253cf71e20f6e1cffd8b8f42de35214279011bf47dbcb56d2ffc79a4f5d414?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/bf253cf71e20f6e1cffd8b8f42de35214279011bf47dbcb56d2ffc79a4f5d414?s=96&d=mm&r=g","caption":"Eric Bartlett"},"url":"https:\/\/northlandinjurylaw.com\/es\/author\/eric-bartlett-2\/"}]}},"_links":{"self":[{"href":"https:\/\/northlandinjurylaw.com\/es\/wp-json\/wp\/v2\/posts\/1637","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/northlandinjurylaw.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/northlandinjurylaw.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/northlandinjurylaw.com\/es\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/northlandinjurylaw.com\/es\/wp-json\/wp\/v2\/comments?post=1637"}],"version-history":[{"count":1,"href":"https:\/\/northlandinjurylaw.com\/es\/wp-json\/wp\/v2\/posts\/1637\/revisions"}],"predecessor-version":[{"id":2770,"href":"https:\/\/northlandinjurylaw.com\/es\/wp-json\/wp\/v2\/posts\/1637\/revisions\/2770"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/northlandinjurylaw.com\/es\/wp-json\/wp\/v2\/media\/1885"}],"wp:attachment":[{"href":"https:\/\/northlandinjurylaw.com\/es\/wp-json\/wp\/v2\/media?parent=1637"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/northlandinjurylaw.com\/es\/wp-json\/wp\/v2\/categories?post=1637"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/northlandinjurylaw.com\/es\/wp-json\/wp\/v2\/tags?post=1637"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}