Do I need medical payment benefits?

Yes you do!  Before you get into a car accident, you need to have car insurance.  Alaska law requires you to carry liability insurance of at least $50,000.  If you can't afford any of the other benefits, get medical payment coverage as well.  Medical payment benefits pay 100% of your accident-related treatment.  The limits offered usually start at $5,000 and go up from there. $5,000 isn't enough. That's a trip to emergency room and maybe a few follow up with your doctors.  Anymore, $5,000 won't even cover treatment for a typical whiplash injury.  Get at least $25,000.  With $25,000 of coverage you have enough money for conservative treatment, and if you don't get better, at least you can be evaluated properly for more serious injuries.  Xrays, MRIs cost money.  Lots of it.  Surgery costs even more.