HDHP and HSA Consumer Experience 1 2 3 4 5 Doctor Visit Amount Owed EOB Bill Received Pay with HSA Visit your healthcare provider and The health plan will share the The health plan send you the Your doctor will then send You can use your HSA funds the office will submit the claim to amount you owe with your Explanation of Benefits (EOB). you a bill. to pay the bill from your your health plan. doctor. doctor.