Your Medicare Set-Aside comes with a lot of rules. Luckily for you, we know them all.

A Medicare Set-Aside, or MSA, helps pay for future medical care related to your injury after settlement.

Managing the account means tracking expenses, following Medicare’s guidelines, and submitting required reports. Ametros can handle the details, so you can focus on moving forward.

What Is a Medicare Set-Aside?

A Medicare Set-Aside is money from a workers’ compensation settlement that is set aside for future medical care related to the injury.

MSA funds generally must be:

  • Kept in an interest-bearing account
  • Used for Medicare-covered care related to the injury
  • Supported by detailed records and receipts
  • Reported to Medicare each year

Medicare Set-Asides have a lot of rules. Luckily for you, we know them all.

Have Questions About Medicare Set-Asides?

You’re not alone. Get clear answers to common questions about using MSA funds, reporting expenses, managing the account, and what happens when the funds run out.

Meet

CareGuard is Ametros’ professional administration service for Medicare Set-Asides and other medical settlement funds.

CareGuard Medicare Set-Aside member card

With CareGuard, our team can:

  • Pay eligible medical bills and expenses
  • Track account activity and maintain records
  • Handle required Medicare reporting
  • Help members understand their accounts
  • Provide access to account information through an online portal
  • Help members access potential medical and prescription discounts*
  • Answer questions through a dedicated Care Advocate

It is a simpler way to manage settlement funds without doing it all yourself.

See If CareGuard Is Right for You

Avoid Common MSA Mistakes

Managing a Medicare Set-Aside yourself can be complicated. Download our free guide to learn about 10 common MSA mistakes and how to avoid them.

Get the Free Guide

Disclaimer *: Discount averages presented are based on Ametros’ 2025 Member Impact Report, published in August 2026. This data was independently reviewed by PKF O’Connor Davies LLP. Any potential discounts or savings for medical treatment, including but not limited to, prescription drugs, durable medical equipment and/or healthcare items and services, are not guaranteed. Ametros has made no warranties, promises, representations or guarantees whatsoever about potential cost savings or the level of potential discounts obtained on any item, service or prescription payment. There are no assurances that prior successes or past results as to cost savings will be applicable to a Member on any of Ametros’ platforms. For additional information, please see our Terms & Conditions Page.