If you carry Medical Payments (MedPay) coverage on your auto policy, your insurance pays for chiropractic care — regardless of who caused the crash. Don't let fault stop you from getting the treatment you need.
Book an Appointment 📞 (720) 765-2664What Is MedPay?
Medical Payments Coverage — commonly called MedPay — is an optional add-on to your auto insurance policy that covers medical expenses for you and your passengers after an accident. The defining feature: it pays out regardless of who was at fault.
In Colorado, insurance companies are required by law to offer MedPay to every policyholder. If you accepted it when you purchased your policy, you have it right now — and it can be used to cover chiropractic care, emergency room visits, surgery, physical therapy, and other medical treatment stemming from the accident.
MedPay coverage typically ranges from $1,000 to $25,000 per person, per accident. Even a modest policy provides enough to cover meaningful chiropractic treatment while you recover.
📌 Key fact for Colorado drivers: Using your MedPay coverage to pay for medical treatment generally does not raise your insurance premiums — because it is a no-fault, first-party benefit you paid for. Always confirm with your insurer, but in most cases your rates are protected.
What It Covers
MedPay covers chiropractic adjustments, spinal manipulation, and related soft-tissue treatments — exactly the kind of care that helps most after a car accident.
If you went to the ER after the accident, MedPay can reimburse those costs — even if you were determined to be at fault for the crash.
Rehabilitation exercises and physical therapy following accident injuries are typically covered under MedPay alongside chiropractic treatment.
Diagnostic imaging ordered by your chiropractor or physician — including X-rays and MRIs — can be submitted to MedPay for reimbursement.
Ongoing treatment visits — not just the initial appointment — are covered up to your policy limit, giving you the time to complete a full course of care.
Medications prescribed as part of your accident injury treatment — such as anti-inflammatories or muscle relaxers — may also be covered under your MedPay policy.
How It Works
Call your auto insurance company and report the accident. Let them know you'd like to open a MedPay claim for your medical expenses. They'll assign you a claim number.
Ask your insurer how much MedPay coverage you carry — it's listed on your policy declarations page. Common amounts in Colorado are $5,000 or $10,000. This is the total available for all medical care from the accident.
Call us at (720) 765-2664 or book online and let us know you're using MedPay. Bring your insurance carrier name, claim number, and adjuster contact. We handle the billing directly so you don't have to deal with the paperwork.
We submit claims to your MedPay insurer on your behalf. You receive care and we handle the back-and-forth with insurance — letting you focus entirely on healing.
Common Misconceptions
MedPay is specifically designed as a no-fault benefit. It pays for your medical treatment regardless of who caused the accident — that's the whole point of the coverage.
In Colorado, using a first-party medical benefit like MedPay generally does not trigger a rate increase. It's not an at-fault claim against someone else — it's your own pre-paid benefit.
MedPay covers all reasonable and necessary medical expenses, which explicitly includes chiropractic care, physical therapy, imaging, and follow-up visits.
Many accident injuries (whiplash, soft-tissue damage) don't show symptoms until days or weeks after the crash. As long as your treatment is linked to the accident, you can still file. Call us and we'll help you understand your options.
Why It Matters
Even low-speed collisions can cause significant soft-tissue injuries to the neck, back, and shoulders. The adrenaline response immediately following a crash often masks pain — meaning you may feel fine at the scene but wake up stiff and sore the next morning.
Research consistently shows that early intervention leads to faster, more complete recoveries. Waiting to treat whiplash or spinal joint dysfunction allows inflammation to set in, muscles to tighten around the injury, and scar tissue to form — all of which make treatment harder and recovery longer.
MedPay removes the financial barrier to getting care quickly. Don't let concern about cost or fault keep you from treating injuries that, if left alone, could become chronic problems.
Whiplash — neck pain, headaches, reduced range of motion from rapid head movement during impact
Lower back strain — muscle and ligament injuries to the lumbar spine, often from impact forces traveling through the seat
Shoulder and upper back pain — common when bracing against the steering wheel or from seatbelt forces
Headaches and TMJ — often linked to cervical joint dysfunction caused by the collision, and responsive to chiropractic care
Spinal joint dysfunction — vertebral joint dysfunctions from impact forces that restrict movement and cause pain if left untreated
FAQ
Do I need a referral to see a chiropractor under MedPay? Generally no — chiropractic is considered direct-access care. You can schedule directly with us and we'll work with your MedPay claim.
Can MedPay and health insurance both be used? Yes. MedPay typically acts as a primary payer for accident-related care, and your health insurance may cover what MedPay doesn't — giving you more total coverage.
What if I don't have MedPay? If you didn't add MedPay to your policy, you may still have options — PIP (Personal Injury Protection), health insurance, or a letter of protection through an attorney. Call us and we'll help you figure out what coverage you have.
How long do I have to file a MedPay claim in Colorado? Colorado's statute of limitations for accident claims is generally three years, but MedPay policies often have their own shorter deadlines. File your claim as soon as possible and start treatment promptly.
Does Coal Creek Chiropractic accept MedPay? Yes. We work directly with MedPay claims and will handle the billing with your insurance company so you can focus on recovery.
You've been paying for MedPay protection. If you've been in an accident — at fault or not — let us help you use it to get back to feeling like yourself.
Book an Appointment Call (720) 765-2664