How to Pay Medical Bills From an HSA

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Opening a health savings account, or HSA, is one of the best ways to take control of your health care spending while lowering your overall tax bill. Whether you participate in an HSA sponsored by your employer or open one on your own at a bank or mutual fund company, the money you put aside comes out before taxes, reducing your taxable income while helping you pay for medical costs that are not covered by your health insurance. But to get the most out of the plan, you need to file your claims properly.

Find the debit card you received when you opened your HSA. If you did not receive a debit card, contact your employer if the plan is employer sponsored. Otherwise, contact the bank or mutual fund company holding the plan.

Give your HSA debit card to the medical provider or pharmacist. Tell the person processing the claim that the card is linked to your HSA. This will help the provider bill the card properly.

Keep the receipt from the transaction with your other HSA paperwork. It is a good idea to maintain a separate envelope just for medical expenses, receipts and HSA records. This will make it easier to track your medical spending for bookkeeping and tax purposes.

Contact the administrator of the HSA for a claim form if the provider does not accept Visa payments. In order to use your HSA-linked debit card, the merchant or provider must be able to accept credit cards.

Complete the claim form using the receipt you received from your provider. Be sure to fill out the form completely, including the date of service, the name of the provider, the nature of the service and the billed amount.

Make copies of any paperwork you submit, and keep those copies with your other medical and HSA information. Follow up after a week or two if you have not received reimbursement from your HSA.


About the Author

Based in Pennsylvania, Bonnie Conrad has been working as a professional freelance writer since 2003. Her work can be seen on Credit Factor, Constant Content and a number of other websites. Conrad also works full-time as a computer technician and loves to write about a number of technician topics. She studied computer technology and business administration at Harrisburg Area Community College.

Photo Credits

  • syringe-medical image by JASON WINTER from