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Medicare Advantage MSA Plans

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What is a Medicare Advantage MSA plan?

Medicare beneficiaries have the option to enroll in a Medical Savings Account (MSA) plan. Medicare Advantage MSA plans (or Medicare Part C MSA plans) combine health care coverage with a medical savings account. Medicare gives the plan a dollar amount each year for your health care, and the plan then deposits a portion of this money into your bank account. The amount deposited is less than your deductible amount, which is generally quite high, so you will have to pay out-of-pocket before your coverage begins. Individuals enrolled in a Medicare Advantage MSA plan can receive health care from any doctor or hospital. However, some Medicare Advantage MSA plans may have preferred doctors and hospitals you could go to for a lower cost.

Covered benefits under a Medicare Advantage MSA plan

Medicare Savings Account (MSA) plan
Are prescription drugs covered? No. You can join a Medicare Part D plan to get drug coverage.
Do I need to choose a primary care doctor? No.
Do I have to get a referral to see a specialist? No.


What you need to know before enrolling in a Medicare Advantage MSA plan

If you’re considering a Medicare Advantage MSA plan but are wary of the high deductible that comes with the plan, understand that money spent for Medicare-covered Part A and Part B services counts toward your plan’s deductible. After you reach your out-of-pocket limit, your Medicare Advantage MSA plan will cover your Medicare-approved health care needs in full. Also note that any money left in your account at the end of the year remains in your account, along with the deposit for next year.

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