This is the way to understand it. Also, sometimes discounts "in network", but that can be pretty mixed in usefulness. Sure, you can use HSA/FSA money on these

This is the way to understand it. Also, sometimes discounts "in network", but that can be pretty mixed in usefulness. Sure, you can use HSA/FSA money on these things, but better to go through "insurance" and keep/use that money for other things.