Medicare Recipients and the Auto No-Fault Opt-Out Option Seniors can now opt-out of no-fault PIP expense benefits if they: are covered under both Parts A and B of Medicare; and their spouse and any resident relative has Medicare “qualified health coverage” or has coverage under a separate no-fault policy. Furthermore, Medicare recipients injured in a motor vehicle accident who opt out of no-fault PIP benefits will not be able to receive any no-fault coverage through the Assigned Claims Plan. However, they may be entitled to Assigned Claims Plan (ACP) coverage if injured in a collision as a non-occupant or pedestrian.  … Continue reading Should I Opt-Out of PIP Coverage if I Have Medicare or Medicaid?