I used a medical provider who does not deal with insurance. I had already spent my out-of-pocket maximum, so if this provider had dealt with insurance, they would have been paid entirely by insurance with no impact to my HSA.
Instead, I paid them at the time of service from my HSA, and filed the insurance claim myself. Much later, I received a benefit check from insurance. I would like to deposit that benefit check back into my HSA, making everything as-if the HSA hadn't been used here.
My HSA bank lets me make a "return of incorrect distribution" but I do not consider anything here to be a "mistake in fact" as mentioned in the 1099-SA/5498-SA instructions -- the distribution was for qualified medical expenses, and I intentionally used the HSA. But I only wanted the money to come out of the HSA temporarily, not permanently.
Is it possible to put this money back into the HSA? If so, what do I tell my bank so that they handle it properly? Their deposit slip doesn't have any reasonable box to check for this.
The bank is The Bank of New York Mellon. Branding associated with the account is BenefitWallet.