Is Sleep Consulting Covered By Insurance, HSA or FSA?
“Is sleep consulting covered by insurance, HSA or FSA?” is a question our team answers frequently. Here’s some insight:
For traditional health insurance, the answer is currently “no” unfortunately! Don’t click away just yet…
Since I became a child sleep consultant 7 years ago, sleep consulting has become more mainstream. Yet the insurance industry hasn’t yet recognized pediatric sleep consulting services as a covered expense under traditional health insurance benefits. Most sleep coaches aren’t medical professionals and the sleep coaching industry is unregulated.
The great news is that our sleep consulting services and baby sleep course may be covered by your FSA or HSA!
Many of our clients have used our services, paying from their Health Savings Account (HSA) or Flexible Spending Account (FSA) dollars.
Lowering taxable income?
“Sign me up!” is what I would have said back in the day!
Determining if Sleep Consulting is Covered by Your Insurance, HSA or FSA
You’re ready to sleep train! Check.
You want to use pre-tax dollars! Check.
Excellent! You are starting the process to get your family more sleep.
Next, you’ve got some homework to do before signing up:
Reach out to your insurance plan’s FSA/HSA administrator to determine eligibility and to find out if you need pre-approval. Our services can normally be found in these categories:
- Medical care for a newborn / newborn care; or
- Health institute fees. The health institute fee category includes the cost of health-related courses, workshops, retreats, and more.
- Canadian families: check lactation; health spending accounts; maternity services and accessories (like doulas, midwives and classes); or life coach services
Then ask your FSA admin what forms and paperwork are required.
FSA: you may have to pre-pay for your sleep training program and submit a receipt for reimbursement.
HSA: you can use your HSA debit card, if you have one, to pay for our sleep consulting services or online course.
We can provide you with a receipt or any paperwork that your insurance company requires. Just ask your sleep consultant.
If your insurance company requires it, you may need to contact your pediatrician for a letter of medical necessity (LSN). Most pediatricians are super supportive of sleep training and are happy to help.
You’ve done your homework above. Now you can sign up!
If you have questions, reach out to us and we’re happy to help!
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