You can use your HSA funds to pay the bill from your doctor . If you pay out of pocket , you can reimburse yourself from your HSA . H D H P A N D H S A C O N S U M E R E X P E R I E N C E Visit your healthcare provider and the office will submit the claim to your health plan . As the administrator of our health plan , Angle Health processes your claim ( s ) and will share the amount you owe with your doctor . Providers in the Cigna network will cost you less than non - contracted providers . Angle Health sends you the Explanation of Benefits ( EOB ), which includes the amount you owe the doctor . Your doctor will then send you a bill , which should match the amount due on the Explanation of Benefits . D O C T O R V I S I T E O B B I L L R E C E I V E D A M O U N T O W E D 1 2 3 4 P A Y W I T H H S A 5