Med Pay is optional and supplemental auto insurance coverage offered in the State of Florida and can be purchased for an additional fee. Med Pay coverage will pay the 20% of medical bills that PIP does not cover and when PIP is exhausted will pay 100% of the medical up to the coverage limits. Unlike PIP coverage, Med Pay does not compensate for lost wages. Med Pay is affordable coverage that helps when someone’s negligence causes you to suffer significant injuries and large medical bills. Typically depending on the amount of coverage purchased, Med Pay can be added to a policy for around $50.00 a policy period. You should check your policy for Med Pay and consider adding this coverage.