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Find out if the Lasso Healthcare MSA is available in your zip code.
Meet our 2019 MSA

Lasso Healthcare MSA 2019 Plans/Regions

Each of our three plan designs, or Regions, features the same annual deposit amount and covered benefits.

Region 1
  • $2,520 deposit *
  • $6,700 plan deductible *
  • $4,180 your responsibility
Region 2
  • $2,520 deposit *
  • $7,700 plan deductible *
  • $5,180 your responsibility
Region 3
  • $2,520 deposit *
  • $8,700 plan deductible *
  • $6,180 your responsibility

You are also responsible for paying:

  • Your monthly Part B premium.
  • 100% of any non-Medicare covered Qualified Medical Expenses (QMEs), via either your MSA bank account funds or out-of-pocket, before and after you reach the plan deductible.

* Deposit and deductible amounts shown above are full calendar-year amounts, based on a January 1 effective date. If you enroll for a partial calendar year, the deposit and deductible amounts will be prorated based on the month your coverage becomes effective with Lasso Healthcare MSA.

Effective Month of Coverage Amount Deposited into Your MSA Deductible Amount for
Region 1 / 2 / 3
January $2,520 $6,700 / $7,700 / $8,700
February $2,310 $6,490 / $7,490 / $8,490
March $2,100 $6,280 / $7,280 / $8,280
April $1,890 $6,070 / $7,070 / $8,070
May $1,680 $5,860 / $6,860 / $7,860
June $1,470 $5,650 / $6,650 / $7,650
July $1,260 $5,440 / $6,440 / $7,440
August $1,050 $5,230 / $6,230 / $7,230
September $840 $5,020 / $6,020 / $7,020
October $630 $4,810 / $5,810 / $6,810
November $420 $4,600 / $5,600 / $6,600
December $210 $4,390 / $5,390 / $6,390

Our Coverage Area

We offer one of three Lasso Healthcare MSA plans in every county in these states:

  • Arizona
  • Arkansas
  • Delaware
  • Hawaii
  • Illinois
  • Indiana
  • Kansas
  • Maryland
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Pennsylvania
  • South Dakota
  • Texas
  • Utah
  • Wyoming

See which plan is offered in your county:

Health Expenses & Your Deductible

We pay 100% of additional Medicare-covered expenses once you reach your plan deductible. Click through the tabs below to see how each expense type is treated.

These are expenses covered under Medicare Parts A & B, such as doctor visits, hospital stays and most lab tests.

Count towards plan deductible? YES
Taxed/penalized by IRS (if paid with MSA funds)? NO

Refer to the Medicare & You Handbook for further information on how Medicare covers health expenses.

These are expenses NOT covered by Medicare A & B, such as routine dental, routine eye care and routine hearing.

Count towards plan deductible? NO
Taxed/penalized by IRS (if paid with MSA funds)? NO

Refer to IRS Publication 502 for a detailed listing of Qualified Medical Expenses.

There are all other expenses, such as food, clothing and housing.

Count towards plan deductible? NO
Taxed/penalized by IRS (if paid with MSA funds)? YES

 

5 Suggestions for Maximizing Your MSA's Value

Take full advantage of what makes Medicare MSA plans so special, and make the plan work for you.

Have a plan to cover the difference between the deposit and deductible

Have a plan to cover the difference between the deposit and deductible

Spend time planning how you’ll cover the Member Responsibility amount now to minimize surprises later. Worried about unexpected hospitalization costs? Consider a supplemental HIP/hospital indemnity plan

Have a plan to manage your health

Have a plan to manage your health

It’s expensive to be unhealthy! Work with your care team to establish an individualized care plan, and focus your efforts on good preventive medicine.

Avoid using MSA funds on non-qualified expenses

Avoid using MSA funds on non-qualified expenses

Unless you’ve accounted for the extra tax and penalty implications, aim for not spending the funds on any non-qualified expenses.

Consider investing excess balance

Consider investing excess balance

If your Optum Bank MSA account balance is over $2,000, you should speak with your financial advisor about investing the excess balance in other investment vehicles.

Be a savvy health shopper

Be a savvy health shopper

For expenses not covered by Medicare, inquire about pricing before incurring a service. Ask other providers their cost for the same service to find lower pricing.

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