On average, less than 5% of CareGuard members exhaust their funds in a given year. Should your funds exhaust, we will notify your providers that the account has exhausted. If you have a Medicare Set Aside, we will notify Medicare and help ensure Medicare takes over as primary payer when your account is exhausted. If you have an annuity, once your funds are replenished, we will coordinate with your providers to have your MSA account become the primary payor again. This coordination is crucial in the administration of an MSA and CareGuard removes the burden entirely from you.