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How to Find Out if Sleep Consulting Services are Covered by Your Insurance, HSA, or FSA Accounts

Updated: Nov 6, 2023

I know, I know…the very first thing I hear about my services is, “Dang, you’re expensive.”

I also know what my services are worth. 🤷🏼‍♀️

Ask any of my clients and they will tell you, “Every single penny!”

But, I also believe sleep should be accessible to all families because it’s a basic need. As human beings, we need sleep to survive. Did you know that you’d die from lack of sleep before you’d starve to death??

Books are a great, cheaper place to get started, but are also not tailored to your specific child or situation would be if you were to work with a sleep consultant. It also takes time to read and you might be too exhausted to even keep your eyes open. I get it - I’ve been there.

Anyway, I’m working on bringing some lower cost options to my followers (have you seen our Newborn Sleep Guide?), but we aren’t quite there yet.

So, in the meantime, there is something else you might try to get a little help with the costs of hiring a sleep consultant: Find out if your insurance might cover some or all costs, or if you can pay with funds from your FSA or HSA accounts.

There’s a little work on your end, but it’s so worth it to at least try! I mean, you and your baby could be sleeping through the night in just a few weeks!

In this post, I’m going to break it down for you, step by step.

Step One - Contact Your Insurance Company

You’ve got to do your homework. Maybe you have paperwork or a printout of everything that might be covered. Sometimes, “sleep hygiene,” “sleep education,” or “sleep environment” could fall under “other health services,” or “alternative health,” or “alternative healing” - similar to chiropractic, acupuncture, or massage therapy.

You wouldn’t want to pay for these services and then submit your invoice only to find out it’s not actually covered.

Also, while you’re on the phone with them, here’s what you need to ask:

  • Are these types of services covered?

  • What do you need from me? A detailed invoice? A letter from the sleep consultant about what is included in the package outlining the education provided, etc.?

  • Do you need a letter of medical necessity from my child’s doctor?

Take notes because if you don’t submit everything you need for coverage, your claim could get denied.

Repeat these steps with your HSA or FSA account if needed.

Step Two - Contact Your Sleep Consultant

Depending on what your insurance, HSA, or FSA says, you’ll need to get in touch with your sleep consultant to find out if they can, in fact, provide you with whatever it is you’ll need to submit for your claim or for coverage.

Step Three - Contact Your Child’s Pediatrician

If this is needed, reach out to your child’s doctor.

Most pediatricians support sleep training and would be happy to write a letter of medical necessity because they understand how important sleep is for a growing and developing child.

Step Four - Get to Work!

Yes, sleep training does involve effort from your end and your sleep coach’s. Follow her advice. Do all the things. Follow the plan. Celebrate! Before you know it, your baby will be sleeping 10-12 hours at night and taking age-appropriate naps during the day.

Make sure you submit everything you need to in a timely manner.

If you’re looking to work with us at Lake Country Sleep, we’d love to chat with you! You may come to find that even if these services aren’t covered for you, it’s still worth every penny.

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