If you are injured in an accident in Kentucky and go to the doctor, the answer is both yes and no. Your primary insurance coverage for paying your medical bills is your PIP insurance. This is also called Personal Injury Protection or No-Fault Benefits. This will pay for your first $10,000 of medical bills and/or lost wages.
Once your PIP is exhausted, your secondary insurance, which is your health insurance, becomes your primary coverage. Your health insurance pays the additional medical bills as they occur. However, you are responsible for any co-payments or deductibles as they occur.