I've got a question about the exact amount I can withdraw from my HSA for qualified medical expenses which I have not been able to find an answer to.
My company plan carries a HDHP with a maximum annual family deductible of $13,100.
BUT - as part of our benefits my company will reimburse us 80% of our deductible AFTER I pay the first $2,700.
Let's say in 2018 I pay out of pocket $10,000 in qualified medical expenses. I have receipts for that $10,000 which I paid, but my company would reimburse me for $5,840 (which is ($10,000 - $2,700) * 80% = $5,840). This $5,840 comes weeks after I've made payment as is given to me in the form of a cheque from another company that underwrites the whole thing.
Question: Am I able to take out the full $10,000 in future years since this is what I paid OOP, or am I only eligible to take out $4,160 (the initial $10,000 paid - $5,840 reimbursed). If its the latter, how do I 'prove' this since my medical expenses show that I spent $10k, and all I have is this additioanl cheque (with no supplimental medical codes/info) for $5,840.
Thanks