I am planning to reimburse myself for HSA eligible medical care in retirement and have chosen to pay using my Credit Card rather than with HSA funds.
I understand you need to keep proof of payment, and proof that the expense was HSA eligible in order to reimburse yourself for however long you wait (for me likely 30-40 years).
My question is about what qualifies under these and if I am doing it right:
I am using my insurance explanation of benefits as the proof that the care was HSA eligible. Do I need additional proof for that aspect?
For my proof of payment I am going into my credit card transactions segregating the singular transaction and just printing that, rather than waiting for my full statement and including all of it. Is that sufficient, or do I need my full credit card statement as proof of payment. Or are credit card statements and EOB combined not considered sufficient and I need an itemized receipt showing paid in full?(I haven't received one yet)
One final question. I set up a payment plan for the expense, would that make some sort of difference in the way I treat a distribution later on? Or as long as it all adds up to the correct amount it is fine to just track each payment individually?
Maybe I am overthinking this but just don't want to find out later on that I did it wrong and they disallow all my expenses.
Thanks!
