In this era of economic uncertainty, many parents searching for sleep training help for their toddlers, babies and children are coming up with creative ways to help pay for all of that support and assistance to get their children sleeping all night. Working with an experienced, knowledgeable pediatric sleep coach can be a big financial commitment.
Hiring a sleep consultant or sleep trainer can be costly depending on the sleep consultant’s experience and services offered, so make sure you now exactly what you’re getting for your money.
Since I trained as a sleep consultant 8 years ago, it’s become much more common for parents to seek assistance with sleep training, yet insurance companies haven’t quite caught up and cover it along with other insurance benefits such as lactation consultants and chiropractors.
One avenue parents have researched is how to get their medical insurance to pay for it. Now it's not guaranteed that insurance will pay for sleep training but it’s possible you can use your flexible spending account (FSA) or health savings account (HSA) to pay for it. I’ve had a few clients come back to tell me they successfully had my services paid for by their insurance.
First, check with your individual insurance carrier to see if they cover Sleep Services, Newborn Care particularly out of network Sleep Consultants. make sure that you find out exactly what you'll need in order to be paid. Sleep Consultants are considered alternative, out of network therapies, thus requiring parents to pay upfront and be reimbursed by their insurance company. Make sure that you check with your carrier to see if they cover it.
Determine the Required Documents
Your insurance company should be able to tell you exactly what paperwork is required, such as a detailed invoice, dates of service, exactly what services are being utilized or diagnosis code.
How to Pay for a Sleep Consultant
You may need to pay upfront and be reimbursed, or use your HSA debit card to pay. Either way, you’ll get a detailed receipt that you can send back for reimbursement.
Finding a sleep consultant near you that fits your family both in personality, their services and support can be a big financial decision and families should explore alternative routes.
And if you are not able to get your health insurance to pay for a sleep coach or consultant, there are a few other alternative routes including crowdsourcing, gift certificates and buy now- pay later options as well. If you find a sleep consultant that you really want to work with and feel they believe the service they offer is worth it, look at different ways of paying for it so that you and your child can get to sleep that you need.