Should your funds exhaust, we will notify you and Medicare that the account has exhausted. Your providers should still bill CareGuard for your treatment. They will receive communication in the form of an Explanation of Benefits (EOB) with a denial instructing them to bill your secondary insurance if the fund has exhausted. At this point, you will need to provide your secondary insurance information to your provider if you have not already done so. CareGuard is unable to reimburse for copays or deductibles per CMS guidelines. If you have an annuity, once your funds are replenished, your MSA account will then be used to reimburse your providers as the primary payor.