Provider waives coinsurance, but my insurance company doesn’t know it and neither does my health savings account. What should I do?

My provider is out of network and chooses to collect only the deductible from patients. The provider waives all coinsurance and doesn’t balance bill, either. They told me they report the amount they’re actually collecting from me to my insurance company, but I don’t know how or when, because my insurance online profile is showing that those thousands of dollars in coinsurance have been counted toward my maximum out of pocket expenses for the year.

My insurance company automatically sends claims to my health savings account, which is a separate entity. They paid me my entire allowance for the year based on the coinsurance they think I owe that provider. All of this is looking a little like fraud, although I don’t think my provider is trying to commit fraud. If anything, it puts me in a position where it seems like *I’m* committing fraud. What should I do here? Is my insurance and health saving account going to correct all this, or is it necessary for me to call them?

Edit: Just read my insurance brochure. It says if a provider waives coinsurance, the insurance company won’t pay anything. Holy shit.