HDHP AND HSA CONSUMER EXPERIENCE 1 DOCTOR VISIT 3 EOB Visit your healthcare provider and the office will submit the claim Meritain sends you the Explanation of Benefits (EOB), which to your health plan. includes the amount you owe the doctor. 2 AMOUNT OWED 4 BILL RECEIVED As the administrator of our health plan, Meritain processes your Your doctor will then send you a bill, which should match the claim(s) and will share the amount you owe with your doctor. amount due on the Explanation of Benefits. Providers in the Aetna POS II network will cost you less than non contracted providers. 5 PAY WITH HSA 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.