A little over 9 months ago, our son was born :) Two months later, we got a $2400 bill from the hospital which we were able to pay with HSA funds. Well now that it's 9 months later, the doctor's office sent a bill for $2400(off by about 60 cents from the other bill). Naturally, I figured it might be a duplicate because I had never received an EOB from my insurance for it but after lots of back and forth with the doctor's billing company and my insurance, we've determined it is legit. Unfortunately we were not totally prepared for it.
I have never had to work out a payment plan so I was hoping to get a little insight before I call to do it. Now I do technically have the entire $2400 that I can pay it off but I was hoping to leverage my HSA which only has about $1,100. If I can stall enough (pay less per month than goes into the HSA), I can still pay the bill off within a year with buffer allowed for other small bills that naturally occur. I figure if they take 9 months to charge me, they aren't hurting for my money. Are there interest charges or any other fees that would make this be a bad idea? I realize I could just ask them these questions but I want to make sure I'm at as little disadvantage as possible when working with them.