Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Nov 29, 2021

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The Lowdown

  • Medicare will cover your injuries after an accident
  • You’ll need to be current on your payments
  • Medicare offers coverage for different types of visits as well

Does Medicare cover car accidents? If you’re worried about being in a wreck and having health insurance coverage, Medicare can help pay for those treatments. In addition, Medicare covers a variety of medical services that you’ll need when you become injured.

Now that you know Medicare does car accidents, enter your ZIP code into our free quote tool to see what you could pay at other insurers.

Does Medicare cover accidents?

If you get injured in an accident, the last thing you should have to worry about is whether or not your injuries will cost you. By having a proper insurance policy, you can ensure that you don’t pay all of the costs for your visit out of pocket.

Medicare Part A will cover any costs while you’re in the hospital as an inpatient. This includes an accident where you may have been seriously injured and need immediate attention.

Medicare can also cover any outpatient visits and drugs that you’re prescribed after an accident under Part B and D.

Does Medicare cover motorcycle accidents?

Medicare will cover motorcycle accident injuries as long as you have the proper insurance plan. If you need to go to the hospital, you’ll either need:

  • Medicare Part A
  • Medicare Advantage

If you’re covered under traditional Medicare, you can likely get the hospital costs partially covered. However, with a Medicare Advantage plan, also known as Part C, you’ll only pay for what’s not covered under your health insurance plan.

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When will Medicare cover car accidents?

Medicare isn’t connected to your car insurance in any way at all. However, if you need emergency services and carry the right Part before the accident, Medicare will help you pay for the costs of your visit.

This also applies to doctor’s visits and drugs, as mentioned above. Medicare is there for your health needs, and that includes after an unfortunate car accident.

Are there any cases when Medicare won’t cover car accident injuries?

Medicare isn’t connected to your car insurance in any way, so you don’t have to worry about conflicting policies. That being said, there may still be a case when your insurer isn’t willing to cover the costs.

If you’ve stopped paying your premiums for any reason, your insurer may decide to stop providing you with coverage. But, of course, you could expect the same treatment at any private insurer if you were to stop paying.

Should I see a doctor for my car accident injuries?

While you may feel fine after a car accident, you may still want to see a doctor. Even if you’re sure that you aren’t injured, there may be hidden problems that don’t show up until days later.

Some of the reasons you may want to see a doctor after an accident include:

  • Find pain before it starts
  • Proof of injury for an insurance claim
  • Legal defense if someone is at-fault

If you want to prove that you suffered damages due to an accident, you have a limited amount of time to get it looked at. So the sooner you go to the hospital after the accident, the better off you’ll be at getting proof of injuries.

How can Medicare help pay for a doctor after a car accident?

Medicare works like other private insurance companies in that it helps the patient save costs on medical care. Medicare is the U.S. Government’s solution to providing affordable healthcare to seniors.

Most citizens are eligible for coverage when they turn 65, and they can keep it until they die, as long as they continue to pay their premiums.

What are the different parts of Medicare coverage?

Medicare is split up into multiple parts to ensure that it can process claims quickly. According to, these parts cover a wide range of medical needs, including:

  • Part A: Covers inpatient hospital stays, long-term nursing facilities, hospice care, and other medical care.
  • Part B: Covers outpatient visits to doctors, mental health providers, and other medical supplies.
  • Part C: Medicare Advantage provides private insurers an option to offer cheaper coverage to Medicare recipients outside of the regular program.
  • Part D: This will cover the cost of prescription drugs as well as vaccines

Medicare is a comprehensive program that helps many seniors afford the care they need. Older generations would have to pay incredibly high rates for even the most base medical services if not for these programs.

How much does Medicare cost?

According to the official site, Medicare will cost around $170.10 a month in 2022, or higher, depending on income. This is much more affordable than if a private insurer underwrote a senior with no other discounts applied.

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Medicare and Car Accidents: The Bottom Line

Now that you know Medicare does cover car accidents, you can rest a little easier knowing that you’ll be able to get help. As long as you continue to pay your premiums, you can get affordable medical treatments. 

Does Medicare cover car accidents? Enter your ZIP code into our free quote tool to see what you could pay.