What to do when your MSA is depleted

When your Medical Savings Account (MSA) is depleted, it means that you have used up all the funds allocated for your medical expenses for the year. The MSA is calculated and allocated at the beginning of each year, based on the number of dependents on your membership as of January 1st. This upfront balance is available to cover day-to-day medical claims throughout the year, from January 1st to December 31st.

If your MSA runs out before the year ends, you can still access healthcare through the Primary Care benefit, which comes with specific limits. This benefit helps cover essential medical services, but it's important to understand the limits and plan your medical expenses accordingly for the rest of the year.

Please read page 15 of your member guide to learn more.