workers comp lump sum settlement/ medicare set-aside account

[Dutchy]

:(Can anyone share an experience of lum sum workers compensation settlement(being on regular medicare) whereby a medicare set-aside account to be held at a bank for future medical expenses and the ramifications after that limit has been used to obtain regular medical coverage from medicare?

What happens after $5000 is used up in set-aside account? Will medicare pay for medical bills?

Has anyone been penalized by medicare or billed beyond their set-aside account amount? Like having to pay for full medical coverage up to the lump sum settlement?

Offer on table w/these stipulations. Sounds like to much trouble. Is this account necessary to do so?

Things are suppose to be simplified & easier to understand once you get into retirement!!!! Help