[Shivetya]

I had a Doctors visit at the beginning of the year. Since I am on a HSA plan I have no deductible but rates are still negotiated. I have yet to receive a bill. This is for service rendered the first week of this year. I have received a NON BILL which denotes the costs of service and the negotiated rate having saved me money.

I am still trying to find someone to pay. Now having talked to my Doctor before I have asked the questions about rates and such. The only points that stuck with me are, negotiated rates with government providers are too low for him cover his costs, insurance companies have rates which are more favorable because they need the business, and his higher base rates are because collections is rotten to deal with.

One day I hope to pay my bill, I would have to have a collector show up but my Doctor cannot accept the payment as of yet and I legally cannot use my HSA funds for something I do not have a bill for.