I agree with Bill ... If you don't want to wait until there in money in the HSA to pay the medical bill then just pay it out of pocket and then reimburse yourself with the HSA distribution later. Or wait until the money is in the HSA and take a distribution to pay the medical bill later. It is the exact same thing and you are not loosing anything. Stop focusing on what you cannot change and work with the tools you have. Life it too short to stress this much and you are lucky you do have this HSA to use and save tax money, not all folks are so fortunate.
