Why is business medical payments coverage usually not taken by employees?

Business medical payments coverage is often not taken by employees primarily because they are entitled to workers' compensation. Workers' compensation is a form of insurance that provides wage replacement and medical benefits to employees injured in the course of employment, ensuring that their medical expenses and a portion of their lost income are covered without needing to prove fault. Since workers' compensation is designed to cover workplace injuries comprehensively, employees may opt not to pursue additional business medical payments coverage, as their needs are typically met through this existing benefit.

While other factors might influence the decision, such as cost or coverage adequacy, the workers' compensation system is fundamentally structured to provide adequate support for workplace injuries, reducing the perceived need for additional coverage provided by businesses.