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@ HDHP/HSA users- a question

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We are contemplating this for health care next year. I understand how it works except for 1 minor detail- that can mean a lot of money.


My understanding is this- if you still use an in-network provider, you still get the in-network rate. How is this worked out? The difference between what the provider charges and what insurance "allows" isn't usually deducted until the provider pays (or sends an EOB) after a claim is processed. So, if you know you are basically paying out of pocket (at lease until you meet your deductible), do you pay the provider amount or do they go ahead and charge you the insurance rate?

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