Next, you pay out of pocket.
The My Health Savings (HSA) Plan has a deductible, which is the amount you must pay before the plan begins paying for non-preventive services.
When you have deductible expenses, including prescription drugs, you will pay out of your pocket. You can choose to use your HSA or you can choose to pay another way (i.e., cash, credit card) and let your HSA grow. It’s your choice.
With the HSA Plan, you must meet the family deductible before the plan will pay benefits for you or your dependents.