I have nothing helpful to share with you, but your post is interesting to me, in showing how this innovation in American healthcare financing hasn't been quite fully thought through. You sound so well-organized and meticulous that I'm convinced you are doing your part in jumping through the necessary hoops. It seems, then, that when this system was set up, no sufficient incentive was built in to motivate doctors to provide you with what you need to mobilize your funds in your HSA for your self-reimbursement. That's what I mean by "not quite fully thought through."

There's got to be a way that an effective incentive could be built in. Doctors can be depended upon to do what they need to do to get their money. Apparently, they don't really give a flip, if you get yours. There's got to be a way that they could be made to "care." You should never be asked to make any kind of payment to any doctor, without receiving an invoice and a receipt. That's messed up, but I believe it works as you say it does.