You can see any doctors, hospitals and other health care providers who agree to take your health plan as coverage.

Even if the MSA plan has a network, you’re never limited to that network of providers, although you’ll usually pay less when you see providers in the network.

If your MSA plan doesn’t have a network, you can go to any doctor or hospital who accepts Medicare. To pay the lowest cost, use participating providers that accept Medicare’s approved amount as the full payment.