After an accident, victims usually wonder whether their health insurance or other insurance providers will affect their eligibility to collect Med-Pay coverage. Raleigh car accident lawyer Brent Adams explains how Med-Pay interacts with an individual's other insurance coverage options. Generally, Med-Pay stands alone; it is additional insurance that. It should not affect your collection of additional insurance. If you have health insurance you, may have a deductible to pay before they will cover your medical bills. Med-Pay can help cover that deductible.