I have a Health Savings Account (HSA) through work. It's actually a really good deal, you put in pre-tax dollars, and if you use the money to pay for medical expenses, you don't pay taxes on it. Plus, it rolls over from year to year.

That said, I am having a really stressful time trying to get receipts from doctors.

Has anyone else had this problem? I recently had minor surgery.

Bill #1: Pathologist. I paid it online, and the system said that they'd email me a receipt. Nothing came through. I called, explained that I needed a receipt for my HSA, and was told no problem, they'd mail it to me. Two weeks go by, nothing. I just called a second time this week.

Bill #1: Doctor. The doctor was fabulous, but billing is causing me so much stress. First, they asked me upfront to pay my entire deductible (well, the amount left on my deductible). No estimate of the total bill, no receipt, nothing, just... "Oh you have ~$800 left to meet your deductible. We really like to collect that before the procedure. How would you like to pay?"

I paid that. Had my surgery. A month later, got the bill... and saw absolutely no mention of the money I'd already paid! Called and left a message...

Got an email back a few days later with the adjusted amount, went online, paid... but no receipt! And, the website they use hates me, it doesn't work on my version of Firefox, and won't give me a receipt without creating an account. I could cry at this point.

I email back and ask for a receipt, and get a message that she's forwarding me one from the system. Great. I get it, but it literally says, "$800 paid". No mention of the extra money that I paid after that, no mention of the doctor or practice or what was included (all that's required to access your HSA!).

It's *insane* and really stressing me out. I don't understand why this is so hard?

Bill #3 - TBD. The anesthesiologist (thank you, spell check!). I've seen the bills go through my insurance, but haven't gotten anything yet. I'm sure it will also be a battle.

Any tips? Has anyone else had to fight their medical providers to get basic receipts that show the services performed, costs, and that payment was indeed made? This seems so ridiculous to me. This should be a no-brainer, I'm not asking for the moon here!

Thanks... I'd love to hear everyone's experiences. Maybe it's just me?