I misplaced my HSA debit card, and while waiting for a new one was forced to pay a qualified health care expense out of pocket. Is there any way to use my HSA to cover the expense retroactively?
Yes, you can be reimbursed through your HSA account; see for example NerdWallet's article. Best is to see your own provider's website, of course, but HSA rules in general allow for reimbursement for legitimate medical expenses.
The HSA websites I have used have had several options.
- Card receipt - Submit a receipt to verify a card transaction.
- Pay my provider. -Request payment to be mailed directly to your provider.
- Pay me back. - Request payment to reimburse you for out-of-pocket expenses (receipt required).
- Pay me. -Request a withdrawal from your HSA (no receipt required).
You are asking about #3 or #4. It is a pain to send the receipt for #3 but if you do, you know that they will list it as being used for a medical reason when they send you the 1099 at the end of the year.
My HSA allowed me to order a checkbook for $10. I have written checks to myself for HSA-eligible expenses that were not charged to the HSA.