If you are injured by a third party and seek medical treatment during your case, demand that the medical facility bill your health insurance coverage first before using the medical payments under your auto insurance policy.   http://www.avvo.com/legal-guides/ugc/what-exactly-is-med-pay-insurance-in-california.   The reason being is that you may be entitled to reduced rates if you utilize your regular medical insurance.  You may also be entitled to a further reduction if you engage an attorney to handle your case and negotiate a settlement.  Medical payments, typically referred to as “Med Pay” is medical insurance under your automobile policy. You should use the Med Pay for services not covered by your health insurance company.   Med Pay covers various types of injuries and tests including dental injuries, blood work, co-pays, etc. http://www.dmv.org/insurance/medical-payments-coverage.php     If you been involved in an accident, and would like more information about Med Pay please contact Hafif & Associates at (909)291-2439, or visit our website at www.hafiflegal.com