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Auto Insurance (MedPay)

Colorado Med Pay Covers $5000 of Medical Bills for Auto-Accident Victims

If you are suffering from whiplash, neck pain, or back pain after your auto-accident, you can now recover for free
On January 1, 2009, Governor Bill Ritter of Colorado signed into effect a bill that requires auto insurance companies to provide at lease $5000 in medical coverage for post accident victims. This coverage amounts to $5000 for every person in the vehicle during the crash.

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Med-pay benefits are paid to chiropractors, massage therapists, acupuncturists, ambulance services, ERs, and hospitals. 

This is a service that you can opt-out of, but Governor Ritter's office and Thrive recommend you do not. According to Ritter's study, on average, the $5000 Med Pay medical coverage only increases rate $64 per year. 

Med Pay does not replace your health insurance, of course, but it is a wonderful service to have a zero-deductible medical coverage policy after your auto accident. The coverage is automatic, and you will never need to deal with a bill, unless the sum of your medical expenses is greater than $5000. This enables you to focus on healing, rather than hassling with medical bills. 

Colorado Springs Chiropractor, Dr. Molly Kallenbach, became a chiropractor because of violent car accident she experienced at the age of 19. 

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She was driving a little hot-rod car in Southern California, when she collided with a car. The accident slammed her face into the steering wheel of the car, and she was rushed to emergency room. 

chiro_xray.jpgAfter waiting for hours in the ER, the doctors took X-rays and discovered nothing was broken and she was dismissed with a prescription for pain killers. 

The pain killers left her feeling like she was living in a bad dream, and on top of that, they didn't work, because they only numbed the pain (the symptom), and they never got at the cause of the pain. 

The cause was severe neck trauma and whiplash

Despite the pain killers, she began getting raging headaches, tightness in her shoulders, and excruciating neck pain. 

Her parents took to a great doc in Redlands, CA that took X-rays of her, and performed some gentle adjustments to her neck and spine, and it felt like something released. The tension was gone.

woman_running.jpgTo get off pain killers and live again was a real-life miracle to her. This doctor was a chiropractor, and the experience motivated Molly to become a chiropractor as well.

Now, people suffering from neck and back trauma come to her. 

If you are battling neck pain, back pain, migraines, and headaches with drugs, are you really getting at the cause?

If you've been in an accident, Med Pay medical coverage will cover your care. Why not have a spinal expert take a look at what you have going on?

Skeptical? That's fine. Check out what others have to say about there experience. Many of these patients came to Dr. Molly after a severe accident. Just click here.

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  • "I was skeptical about how much chiropractic could really help me. Now, I wish I would have tried it sooner."