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Step by step guide to use your FSA/HSA account for sleep services.

To access HSA/FSA coverage under several insurance plans, you may be asked for a letter of medical necessity signed by your healthcare provider (pediatrician, family physician, OB, therapist, etc.).

 

Click here to use our provided sample letter when seeking approval, or your healthcare provider may choose to provide their own. 

An increasing number of employers are transitioning to high-deductible Health Savings Account (HSA) or Flexible Spending Account (FSA) health insurance plans. 

​Did you know that you may be able to use your HSA/FSA funds through your insurance?

An increasing number of employers are transitioning to high-deductible Health Savings Account (HSA) or Flexible Spending Account (FSA) health insurance plans. 

Always check in with your insurance provider first. They will be able to give you the best insight on benefits that are available for you to use along with their specific steps to follow. 

Let's dive in a little on specific ways that you can utilize yours benefits to help your family sleep better.

While FSA coverage may not explicitly include a sleep coach for your child, you might qualify under the health institute fee category. This category encompasses fees related to health courses, retreats, workshops, and similar activities. To pursue this avenue, you'll need a Letter of Medical Necessity.

We've drafted a PDF for you to take to your medical provider for review.  

Flexible Spending Account (FSA) for sleep consultations:

  • Flexible Spending Accounts (FSAs) apply to eligible out-of-pocket healthcare costs, including sleep programs.

  • Make sure that your your child is listed as a dependent to the FSA account.

  • Ensure FSA eligibility for educational and child care expenses.

  • Contact the FSA administrator for essential paperwork, like a release of information form.

  • Secure a "letter of medical necessity" from your pediatrician.

  • Pay for sleep consulting upfront and submit the receipt for FSA reimbursement.

 

Health Savings Account (HSA) for sleep consultations:

  • Health Savings Accounts (HSAs) provide an alternative avenue for covering sleep consulting services.

  • Secure pre-approval from your HSA provider before purchasing.

  • Inquire about the necessary paperwork and payment submission details.

  • Utilize the HSA debit card or linked checks to settle sleep program expenses.

  • Note that HSA funds remain available indefinitely, offering flexibility for future healthcare expenses.

 

We've drafted a Letter of Neccesity PDF for you to take to your medical provider for review.  

When establishing healthy sleep habits for your child, together with your certified pediatric sleep consultant, you will:

  1. Gain Insight into Your Child's Sleep Patterns:

  2. Uncover root source of sleep habits and challenges.

  3. Receive a personalized sleep plan for current and future reference.

  4. Participate in one-on-one training to implement the plan effectively.

  5. Benefit from ongoing support to track progress.

  6. Address any lingering challenges through troubleshooting.

  7. Review realistic expectations for biological sleep milestones.

  8. Overcome common sleeping challenges and with developmentally appropriate solutions.

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