Question about Gap Exception Reimbursement after paying with HSA. Logistical questions

Complex scenario I would like some expert insight on:

I have a procedure scheduled with a provider that was not in network. My insurance provider has agreed to cover this provider and has approved my gap exception request.

My in-network out of pocket maximum for the year is $5,000, let’s say I am currently at $1,000 spent so far this year towards that maximum.

Let’s say my procedure costs 10,000. I assume I would pay 10,000 upfront, and I would get a check from my Health Insurance Company for 6,000. (The difference between what I paid upfront and what is remaining after I hit my out of pocket max.)

Is this correct? Let’s say I were to pay the entire $10,000 upfront via my HSA (health savings account) card. When I get the $6,000 reimbursement check back, would I be able to place those funds in my non-hsa bank account? Or would I somehow owe taxes on it? Or could I simply place those funds back in my HSA without it contributing to my HSA Maximum contributions for the year? (Would my health provider provide me a year end tax form showing the 6,000 payment perhaps?)

Any insight on this situation would be helpful. Thank you.

submitted by /u/cr01300
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