You can do it all yourself. Or our team of experienced professionals can do it all for you.

How do you maximize settlement dollars — while still staying in full compliance with Medicare’s strict, complex, and often confusing regulations?

It’s simple. You get Opal.

Opal - Professional Administration

We jump through every hoop. You don’t lift a finger.

With Opal, you get full-service professional administration of your Medicare Set-Aside (MSA) account, the portion of your settlement ‘set-aside’ to pay for the future medical treatments, services, and prescriptions directly related to the injury. Our experienced specialists can help ensure all qualified expenses are paid correctly and on time, take care of the paperwork, and address any issues that may arise.

You remain in complete control. (After all, it is your money!) But our team of specialists can do it all, and help save you from hours of headaches.

Did You Know?

Workers’ Compensation Medicare Set-Asides (WCMSA), Liability Medicare Set-Asides (LMSA), and No-Fault Medicare Set-Asides (NFMSA) are all types of MSA arrangements.

Opal
Did You Know?

Money in your MSA account isn’t taxed. But any MSA money used for non-qualified expenses will be taxed, and also subjected to an additional 50% tax penalty.

Why do you need Opal?

You need to make your settlement dollars last for years to come. And everything must be administered perfectly.

Because once your MSA funds are gone (either temporarily or permanently), Medicare will begin paying for expenses only if you have maintained your eligibility and:

  • Managed the MSA account properly
  • Paid for only qualified Medicare-allowable expenses from the account
  • Paid no more than the Medicare-approved rate (or Workers’ Comp-approved rate) for each service
  • Retained detailed receipts to validate all expenses
  • Submitted the required reports of all expenditures to the Centers for Medicare and Medicaid Services (CMS) each year
  • Stayed in full compliance with all other rules & regulations

Opal provides you with our full team of experienced specialists, all dedicated to ensuring you won’t pay any overages or penalties, and safeguarding your future Medicare coverage.

Why do you need Opal?

You need to make your settlement dollars last for years to come. And everything must be administered perfectly.

Because once your MSA funds are gone (either temporarily or permanently), Medicare will begin paying for expenses only if you have maintained your eligibility and:

  • Managed the MSA account properly
  • Paid for only qualified Medicare-allowable expenses from the account
  • Paid no more than the Medicare-approved rate (or Workers’ Comp-approved rate) for each service
  • Retained detailed receipts to validate all expenses
  • Submitted the required reports of all expenditures to the Centers for Medicare and Medicaid Services (CMS) each year
  • Stayed in full compliance with all other rules & regulations

Opal provides you with our full team of experienced specialists, all dedicated to ensuring you won’t pay any overages or penalties, and safeguarding your future Medicare coverage.

Opal
Did You Know?

Money in your MSA account isn’t taxed. But any MSA money used for non-qualified expenses will be taxed, and also subjected to an additional 50% tax penalty.

A Concierge Service That Pays For Itself.*

With Opal, our team adjudicates qualified claims & payments, coordinates your Medicare, Medicaid, and private group insurances, and does the paperwork for you.

And while that can help save you hours of headaches, that’s not nearly all you can save.

Because we represent thousands of customers just like you, we’re able to secure major discounts on thousands of prescription drugs, as well as on durable medical equipment & supplies such as wheelchairs and catheters. Plus, our team has the proven experience, knowledge, and resources to successfully procure further savings through negotiations with providers.

You could save tens of thousands of dollars every single year,* just by presenting your Opal card.

What about expenses Medicare wouldn’t cover?

Many customers want to protect the settlement funds that will cover other future medical costs, too. That’s why we also offer the Medical Custodial Account (MCA). This type of account is designed to ensure that a separate portion of your settlement funds will be protected, and used only for non-Medicare-allowable medical expenses and anything else permitted by your settlement. Like an MSA, your MCA can eliminate the headaches of adjudicating and administering your medical claims. Again, our team of specialists can take care of everything. But with your MCA (unlike an MSA), you can also take distributions for living expenses whenever necessary, as allowed by your settlement.

Included with an MSA, an MCA, or both:

  • Complete claims adjudication & payments — we handle everything
  • Full accounting & documentation —with online payment tracking
  • You’re always in control — use any willing provider
  • Unlimited lifetime telephone and online live support — available in English and Spanish
  • Major savings* on prescriptions, medical equipment, and supplies — plus negotiated pricing with medical providers

An MCA can be used in conjunction with an MSA, or as a stand-alone account.

Did You Know?

With your MCA you can also take distributions for living expenses
whenever necessary, as allowed by your settlement.

Your Benefits

Lifetime Support

Small one-time fee gets you a team of specialists who can do it all — for life!

Unbelievable Savings*

Enjoy major discounts on prescriptions, durable medical equipment, and supplies.

Full Accounting & Reporting

You’re in complete control. But we’ll do all the paperwork & correspondence.

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CUSTOMER SATISFACTION

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AVERAGE SAVINGS ON PRESCRIPTIONS

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AVERAGE SAVINGS ON MEDICAL SUPPLIES

YEARS IN BUSINESS

What Our Customers Say

Testimonial 3

“Thank you for getting things done so quickly! I really appreciate it!”

– Claims Professional

Testimonial 2

“I just wanted to thank you again for all the help you have given and continue to give me on our files we have together. I appreciate especially your attention to detail and your availability to answer all my questions.”

– CA Attorney at Law

Testimonial 1

“I just wanted you to know that Bridge Pointe was EXTREMELY helpful on a very tricky case with a recalcitrant plaintiff. They did a wonderful job of explaining everything and helped in shutting it down to the benefit of all.”

– Attorney