Health Care Primary

Health Care Primary: Lower Your Premium and Maintain Protection


Health Care Primary is a coverage option available to personal auto insurance policyholders who currently have health insurance. By selecting this option, you can immediately lower your auto insurance Personal Injury Protection (PIP) premium by up to 25% on each insured automobile by designating your health insurance as your source of primary health care services for auto accidents. As long as you provide us with the name and policy number of your health insurer, we will waive any healthcare penalty deductibles that would have previously applied under the old option. If an accident occurs, your health insurer would serve as your primary health care provider and Plymouth Rock Assurance would provide secondary coverage through PIP.

Please review the frequently asked questions below or ask your agent to determine if Health Care Primary is an appropriate option for you:

Who is eligible for these savings?

You are eligible to save money by selecting Health Care Primary if you have health insurance coverage in effect at the time you make the selection and your health insurance is not provided through Medicare, Medicaid, or a Federal Employee Health Care Plan.

What do I do if I have an automobile accident?

First, report your claim to the Plymouth Rock Claims Department. If you are involved in an accident where you incur medical bills, follow the normal procedures of your primary health care plan, visit your own doctor and send the bills to your health insurance carrier. Plymouth Rock will coordinate with you to ensure your bills are handled properly.

What happens if my health carrier will not provide coverage for my automobile accident?

Don’t worry, we’ve got your back. As long as you had health insurance in effect at the time you made the selection and have confirmed your selection, Plymouth Rock will waive the $750 health care penalty deductible and any premium difference. We will also pay your medical benefits through the PIP portion of your automobile insurance policy.

I am interested in this savings opportunity, how do I sign up?

To immediately lower your premium, simply download and return a Coverage Selection Form to P.O. Box 903, Lincroft, NJ 07738. If you have any questions, do not hesitate to give us a call at 855-268-2363 or contact your agent.

Looking for even more ways to save? Check out our special customer programs, group discounts, defensive driving discount, as well as taxi service through Get Home Safe®.

If you’re not yet a customer of Plymouth Rock, get your free quote online or find a local agent, and if you need additional information about Health Care Primary you can visit our contact us page or call 1-800-516-9242.

Make the Switch to Health Care Primary!

We’re happy to help you see if you are eligible for immediate savings by choosing Health Care Primary. To immediately lower your premium, download and return a Coverage Selection Form available here or simply call us at 855-268-2363.


The right discounts for you

Plymouth Rock gives significant discounts to good drivers... and you may be eligible for even more with discounts of up to 50%!