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Originally Posted by roob1
Opinions on need for this? Would our Medicare health insurance coverage (HMO or PPO) cover these expenses? What expenses would be covered other than medical care?
Have always had it but rising rates are getting crazy. Thanks
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Without knowing your specifics, one difference between ordinary uninsured motorist coverage and ‘Medicare insurance coverage (HMO or PPO)’ is whatever insurance deductibles, copays, and limits one currently has. I believe full UM coverage will pay for 100% of your medical bills (up to policy limits) and you may have less hassle with medical claims under UMC.
In contrast, you might need to pay deductibles and copays with your current health insurance coverage and may have certain coverage limits (e.g., out-of-network limits, number of physical therapy sessions allowed).
The biggest variable in all of this is your particular Medicare coverage you personally have.
If you ask your auto insurance agent, they likely will not know details of your Medicare insurance coverage.