So my husband broke his ankle badly and needs surgery, pins and plates. It’s a new deductible year July 1. Ugh! It’s Monday and the hospital called and said we could pay our part then which is 4500. I said no way am I paying before I see what the insurance pays. Past experience showed me it’s very difficult to get a refund. I will give them the 825 on my HSA card since the deductible is more than that.