PLMAmedium
Under the Massachusetts step-down PIP rule, how does an insured's health insurance interact with the $8,000 PIP medical benefit when the insured has private health coverage?
PIP pays the first $2,000; health insurance is then primary, with PIP secondary up to $8,000
BPIP is voided and health insurance pays everything, including all costs that would otherwise fall within the $8,000 PIP medical benefit cap
CPIP pays the full $8,000 first and health insurance only kicks in after exhaustion
DHealth insurance is barred from coordinating with PIP under any circumstance
Why this is the answer
The Massachusetts step-down PIP rule under c. 90 §34A requires PIP to pay the first $2,000 of medical expenses. Once that threshold is reached, the insured's private health insurance becomes primary for amounts above $2,000, and PIP becomes secondary, picking up deductibles, copays, and noncovered services until the $8,000 PIP limit is exhausted. Medicare and Medicaid do not trigger step-down because federal law makes them secondary.
Studying for the MA Personal Lines exam?
This question comes from our PL bank. Take a free practice test — no signup.