What the Bill Means for Policyholders
Kaiser Permanente Maryland does not act as an auto insurer; it remains a health‑care provider. When an insured driver is involved in a collision, the medical bills for injuries are billed to the patient's health plan. If the driver's auto policy covers medical payments, the insurer will pay the claim directly to Kaiser, not the other way around. Thus, Kaiser will not bill your auto insurer; it will receive payment from the insurer that covers your medical expenses.
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Coverage Limits and Exclusions
Kaiser's billing process follows the limits set by the auto policy's Medical Payments (MedPay) or Personal Injury Protection (PIP) coverage. Typical limits are:
| Coverage Type | Typical Limit | Context |
|---|---|---|
| MedPay | $2,500–$5,000 per person | Replaces uninsured/underinsured coverage |
| PIP (Maryland state law) | $10,000–$25,000 per person | Mandatory in Maryland; covers medical costs, lost wages, and more |
Exclusions include self‑inflicted injuries, intentional damage, or injuries resulting from non‑motorized activities. If the policy excludes a specific injury, Kaiser may still bill the patient directly.
How to File a Claim
1. Notify your insurer immediately after the accident.2. Provide medical documentation from Kaiser, including treatment dates, procedures, and cost estimates.3. Submit the claim electronically via your insurer's portal or by mail with the claim form and supporting documents.4. Track payment status through your insurer's online account; Kaiser will issue a receipt once payment clears.
If the insurer denies coverage, you can appeal by submitting a written explanation of circumstances and any additional medical records from Kaiser. Kaiser's billing department can assist in verifying amounts if needed.
Common Misconceptions
- "Kaiser will pay for my auto accident regardless of insurance" – True only if you have a health plan that covers accident-related care and the auto policy is inactive.
- "Auto insurers automatically cover all medical costs" – Coverage depends on the policy limits and exclusions.
- "I can't use Kaiser services after an accident" – You can continue care; only billing is affected.
Key Takeaways
• Kaiser Permanente Maryland bills medical costs to the auto insurer, not vice versa.• Coverage is limited by the auto policy's MedPay or PIP limits.• Filing a claim is a straightforward process; keep documentation handy.• Misunderstandings about billing often stem from confusing health and auto coverage.