Quote:
Originally Posted by spinner1001
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.
|
As I understand it, having UM insurance doesn't usually reduce the hassle of medical claims. Rather, it increases the hassle. That is because Medicare becomes your secondary medical provider and they are not legally allowed to pay for medical bills that are covered by the UM insurance. Personally, I would prefer to deal with the health insurance company that I already have instead of relying on my auto insurance to pay for medical bills.