My daughter recently started an orthodontics program that will last 13 months. We've covered the entire program cost up-front already. She is covered on my wife's insurance, and that will pay about 50% of the cost. I intend to take a distribution from my HSA for the non-insurance covered amount. However, the insurance payment has a two-part reimbursement - one for 50% of the covered amount now, and 50% in one year. Apparently, this is ensure the orthodontics plan is carried out; if my wife was to lose coverage or we decide not to continue, we'd lose out on that amount.
Is there any mechanism that would allow me to distribute funds from my HSA to cover that long-term 25% now? I'm guessing not, but it never hurts to ask.