Paying a bill with your HSA 1 2 3 4 5 You get healthcare Visit a doctor or healthcare provider. After your visit, they send the claim to your health plan. Plan calculates what you owe Your health plan reviews the claim and calculates how much you’re responsible for paying. You receive the explanation Your health plan sends you an explanation of benefits (EOB) showing what was covered and what you owe. You receive the bill Your healthcare provider will then send you a bill for the amount you owe after insurance. Pay with your HSA Use your health savings account funds to pay the bill—or reimburse yourself if you paid out-of-pocket.