If the yearly funds run out, Ametros will help coordinate with any secondary form of insurance or payment you may have, including Medicare coverage. Typically, a member’s secondary insurance will step in and pay for the remaining balance of your bills. For members with a Medicare Set Aside (MSA), that secondary insurance is Medicare coverage. When you use secondary insurance, including Medicare, you will still be responsible for any deductibles and copays personally or through the secondary insurance. If you have an MSA and an annuity, once your account is replenished, CareGuard will become the primary payer again with your MSA funds.