I started a HDHP medical plan and HSA account on 1/1/2019. We then had our first child on 1/8/2019. The OB/GYN office took a prepayment for the delivery services before 1/1/2019. So the question is: can I claim the part of the bill that I prepaid as an HSA distribution since the service date was after the creation of the HSA even though the payment date was before creation of the HSA?
- Simple approach: You just file a claim. It may or may not matter when you made the payment as long as the covered service was during your coverage period. The worst they can do is deny it.
- More complicated approach: Contact your insurer to see if they would allow this- you ask the OB/GYN for a refund of the prepayment, then immediately pay the OB/GYN the amount in full. That way both the service and payment are in your covered period.