Is Sleep Consulting Covered By Insurance, HSA or FSA?

boy with bright eyes and the text Is Sleep Consulting Covered By Insurance, HSA or FSA? | Bella Luna Family | Wondering if you can get sleep help covered by insurance? Dive into this week's blog post to find out more and learn how to check with your insurance company. Read here:
Christine Brown

Christine Brown

“Is sleep consulting covered by insurance, HSA or FSA?” is a question our team answers frequently. Here’s some insight:

Health Insurance

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?

More sleep?

“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

Required Paperwork

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.

Pediatrician Letter

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!

You can purchase directly on our sleep consulting services pages or by scheduling a discovery call to meet your consultant and ask any questions you have about working together.

If you have questions, reach out to us and we’re happy to help!

Schedule A Discovery Call

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