Will Insurance Pay for Potty Training in 2024? Or can I pay via HSA, FSA, or a school through my child's IEP or 504?

Will Insurance Pay for Potty Training in 2024? Or can I pay via HSA, FSA, or a school through my child's IEP or 504?
Written by:
Michelle D. Swaney
May 3, 2024

Will Insurance Pay for a Professional Potty Training Consultant in 2024?

What You Need to Know About Potty Training and Insurance

There are a multitude of reasons why a child may be needing extra help moving from diapers to flush. The big question being asked more recently is "Can I pay for a potty training specialist with insurance?" A brunt of families are feeling like this “should” have been done before now, by occupational therapists, by school teachers, families, and by co-parents. But, we all know, it’s not always that simple. When you need to reach out for help, is there financial assistance for you to even do so? What are your options for hiring a potty training consultant in 2024, and actually getting reimbursed by insurance?

Woman and child looking for potty training services on computer, text reads, " What You Need to Know About Potty Training and Insurance" | The Potty School

Whether you are looking for in-home potty training help (a professional potty trainer who can come to you), or help via phone/video chat, we are here to help. Though most of our clients simply book these consultations directly with us (you can do that here), some clients have more specialized situations that may need the support of insurance or even a school stepping in to help with the cost of the investment. It truly is an investment that will keep paying off for years to come.

With a sudden rise in the demand for professional help with potty training, one of the frequently asked questions is if potty training is covered by insurance, HSA, FSA, or by a public school through a child’s IEP or 504. Basically, people want to know if we can help your family meet your IEP toilet training goals or sometimes it's listed as "IEP potty training goals."

Although our home consultation packages aren’t always covered by insurance, they are often covered by FSA and HSA. Most of our clients can use their FSA or HSA benefits to pay for our help with potty training. And, keep reading if you are looking for a school/school district (via an IEP or 504) to help cover the cost.

Top 3 Tips about Potty Training and Insurance Coverage:

1) Don't Just ask One Person if Your Insurance Will Cover a Potty Training Consultant

Our profession hasn't been around as a paid entity for eons. The idea of hiring a potty training specialist for potty training help is still a very obscure idea to some people. If you ask random Jane on the hotline on the back of your card if their insurance company covers hiring a potty training consultant my sincere guess is that Random Jane will tell you: (1) No or (2) I don't know. If you get, "No", try calling again and getting to someone who answers with, "I don't know". If they don't know, the catch is that they probably don't know who to ask. That's where you come in. You can ask to whom you should address a letter of medical necessity that was written by your doctor. That, they may know. "Letter of medical necessity" is a typical everyday question they get.

2) If Insurance Really is a No, Perhaps We Work With Your State as a State-Service Provider

Though we only work with certain states and in certain counties in those states, please ask us! We are contracted with several counties in the country to provide state-funded special needs potty training consulting services, without needing to go through insurance at all! For questions about state-service provided contracts, please email: help@thepottyschool.com

We are contracted with the state of Wisconsin with Children's Long-Term Support Program (CLTS) and are approved through WPS for special needs help with potty training via phone/Zoom and home consultations depending on the location.

3) How Does Insurance Work to Approve Hiring a Potty Training Specialist?

A few things to remember:

A) You May Need Pre-Approval

Like many things that require pre-approval, it can be a process. That said, you may want to pay your non-refundable deposit out of pocket to secure your date ahead of time and while waiting on pre-approval. If your FSA or HSA plan decides to cover the rest, we're happy to accept payment that way. If you are unable to pay your deposit out of pocket, then you will need to wait for the approval request to actually be approved (in writing from your administrator) before booking.

B) Reimbursement May Be Required

If your administrator requires for your to pay out of pocket and then submit a receipt, then you will need to hang onto your invoice. The Potty School does all of its invoicing digitally, so just keep it in your email inbox and search for "@thepottyschool.com, or we can resend a copy if need be. That said, you may need to pre-pay for your potty training services ahead of time and then submit your receipt and you personally will be paid back by your administrator.

Your administrator probably doesn't care how you pay your bill originally (credit card, debit card, etc.), because they will be paying you back. If necessary, we can provide a certification of hours completed if your administrator requests that.

Image o woman typing on laptop, text reads, "How to Provide a Letter of Medical Necessity to Insurance When Hiring a Professional Potty Trainer" | The Potty School

C) Letter of Medical Necessity

Your insurance may require your healthcare provider (typically your pediatrician, or pediatric specialist) to provide a letter of medical necessity.

This needs to be specific and beyond a brief description saying you need help potty training. They may list what (medically) has already been tried and the outside resources you have already sought and then the rationale as to why The Potty School is the best fit for the issue at hand.

Namely, we provide one-on-one personalized services. We can work with you to hit your IEP potty training goals, which are sometimes also listed as "IEP toilet training goals" on your Individualized Education Plan (IEP) for your child. We are specifically trained in potty training and pottying-related issues. We happily refer to physicians when medical needs arise, but in the same regard medical professionals, and even university hospitals, often refer to us when the issues go beyond the scope of what their general, or specific expertise is in. Letters of medical necessity can come from your primary care provider or a specialist.

This is what we do day in and day out. We have numerous suggestions and options up our sleeves. To obtain a letter of medical necessity, you can visit, or contact your pediatrician's office. They should help you to be able to coordinate.

Example of a Letter of Medical Necessity for potty training services at the end of this article.

D) Categorization May Be Different for You

Insurance companies don't get a plethora of requests for help with potty training. It can be a little confusing for them to navigate the process because it very well may be their first request. The categorization is a little fuzzy. Sometimes it can be labeled under "pediatric care", "Health Institute Fee" or a variety of other categories until an actual potty training category is created and a billing code associated with it. Until then, they may need to be creative in how to code your services correctly in order to provide your family with the help it needs. Different insurance companies will code it differently, so we don’t have a one-size-fits-all answer for you.

E) Documenting the Help You Need

If you are seeking medical insurance to cover the cost of your professional potty training help with The Potty School, then it needs to be a medically relevant problem. Depending on whether your child has insurance coverage for mental health as well as with their medical coverage would determine if mental health-related issues were covered. For example, but not limited to victims of sexual assault now suffering PTSD, or selective mutism.

Insurance Companies to Ask about Coverage for Hiring a Potty Training Specialist

Here is a list of the top 10 health insurance companies in 2024, according to Forbes, to contact about insurance covering hiring a potty training consultant for your child (both neuro-typical and special needs children). We suggest searching for "Claims and Billing" and asking for a representative in that department to ask your questions. Their billing codes will vary from company to company and you'll probably want to know what code your potty training consultant should bill under before you start services. Having a pre-authorization in place (and in writing) is THE best way to guarantee that services will in fact be covered. Also, make sure that your pre-authorization includes a time period and that you are able to book your potty training consulting services within this timeframe as well.

  1. Kaiser
  2. Elevance Health (Anthem)
  3. HCSC (including BCBS plans)
  4. UnitedHealth Group
  5. Centene Corp.
  6. CVS Health Corp. (Aetna)
  7. GuideWell (Florida Blue)
  8. Blue Cross Blue Shield of Michigan
  9. Highmark
  10. Blue Cross of North Carolina

Having a pre-authorization with your insurance company in place BEFORE you start services with your potty training consultant is THE best way to guarantee that services will be covered, or reimbursed. - The Potty School

How Medical Insurance Decides Who Is Covered for Potty Training Consultant Help

Insurance considered a few factors when deciding who to cover for these extended benefits. They will look at your child's medical history. They will require some sort of physical examination (that may be covered by your typical well-child check-up), and then they will decide who is the medical decision maker about this subject for your plan. From there they will code it for billing so that it can be properly processed.

The main need is "medical necessity of criterion", meaning, is this service medically needed? Another question they ask is if this service can be filled in a less-invasive, and more cost-saving method. If you are consulting with a GI monthly and nothing is being resolved because there needs to be more in-home support, this may be a situation where our services may be approved by insurance because it's not reasonable and is cost-prohibitive for a GI to spend several days in your home.

You very well may want to already have an IEP in place with a potty training goal on it. Any parent willing to go to the effort to put together an IEP for their child specifically for potty training has probably already tried doing it on their own multiple times with various methods without success. If you are wondering if IEPs even cover potty training, yes they can. An answer of "we don't do that" very typically isn't acceptable. Here are some suggestions as to what to do when a school says, "We don't do that here." Both academic and functional goals can be included on an IEP, see more info here.

Woman helping young boy with potty training, text reads, "Who is Covered for Potty Training Consultant Help?" | The Potty School
Just Because You Document the Need Doesn't Mean it Will Be Approved

Once more families start requesting their insurance to approve The Potty School for potty training consulting services, there will be more of precedent set with insurance companies regarding whether or not they "typically" approve or deny the request for a potty training expert or potty training specialist. Once that happens it is common for families to be tempted to over-document why they should need the services. Typically, they just want to hear from three entities. For your family, the "proof" that you need help may be a letter of medical necessity from a specialist, from yourself stating your experience and what you've tried, and from one other professional. That could be anyone from a school teacher or a school district or even a paraprofessional to someone who owns a gym your child works at or a behavioral or occupational therapist. You don't need letters from them all. If you spam the insurance company they aren't more likely to approve your services, but it is more likely to take longer. If anything, if they deny your request for home or phone/video chat/Zoom potty training consulting, you can appeal the decision.

Can I Appeal My Insurance’s Denial of Request for a Potty Training Consultant?

You need to follow the appeals procedure that your insurance company has. Often times a family can appeal with additional paperwork. This would be the time to submit information such as "logs" that document the number of accidents occurring in a classroom or at home. It would be time to document the additional resources currently being used in order to help with these situations such as recurring visits to a gastroenterologist or urologist, urgent care, or an emergency department. This is helpful because it helps them to value the situation's gravity, and the monetary implications of not approving the request for professional potty training help is already having on their company.

Categorization May Be Different for You

Insurance companies don't get a plethora of requests for help with potty training. It can be a little confusing for them to navigate the process because it very well may be their first request. The categorization is a little fuzzy. Sometimes it can be labeled under "

Can I Pay for a Potty Training Consultant with HSA or FSA?

First, remember that there are HSA limits. Check with your program prior to paying for a potty training consultation, but you should be able to directly pay with an HSA debit card, and with prior approval, you should be able to pay with a FSA.

Woman helping child on little potty while potty training and using a device, text reads, "Can I Pay for a Potty Training Consultant with HSA or FSA?" | The Potty School

4) If My Insurance Won't Cover Hiring a Potty Training Consultant or Potty Training Specialist, What Should I Do?

If your child has an IEP or 504, you can go that route as well. We discuss that more below.

Will My Child's IEP Cover a Potty Training Consultant?

"Maybe" is the definitive answer. We have had clients add potty training to their IEPs after consulting with us. We have had families request professional potty training help with The Potty School because their child has a 504. It really depends on the severity, how much the problems impact your child's educational goals, the state you live in, your school district, your past IEP or 504 goals, and the school's availability to provide one-on-one or group support directly to parents. We are contracting with he department of health services in select states to provide services that way as well. That said, you can definitely ask your school at your next IEP meeting (or before! You can request mid-year updates) to include potty training as a goal. You work with your team to set specific goals within reasonable timeframes. If your timeframe is that your child will be out of diapers within a year, then backtrack and figure out together what a quarter or semester, or trimester goal would reasonably look like. If your school is unable to attain the goal after the first segment of time, it is very reasonable to ask them to include in your IEP (Individualized Education Program) professional potty training consultant, such as The Potty School. We have another article here for them to review about what we suggest families look for in a potty training consultant. A parent can ask the administration for outside potty training services to be an approved professional service in the 504 plan. Even if you are waiting on an IEP meeting or a 504 plan review, you have the right to request a meeting/review between now and your next set time of review. There is no requirement for what is included in a 504 plan, that said, a potty training accommodation or goal is within the realm of possibility. Generally speaking, a school can only bill your insurance with written consent, so that’s something to keep in mind as well.

Sample Letter of Medical Necessity for Potty Training (Potty Training Letter for Parents to Give to a Medical Professional)




[Payer Name]

ATTN: [Contact Title/Medical Director]

[Contact Name (if necessary)]

[Payer Address]

[City, State, ZIP]

Re: Letter of Medical Necessity for [Potty Training Service]

Patient: [Patient First and Last Name]

Date of Birth: [MM/DD/YYYY]

Subscriber ID Number: [Insurance ID Number]

Subscriber Group Number [Insurance Group Number]

Case ID Number [case ID number (if available)]

Dates of Service: [Dates]

Dear [Contact Name/Medical Director]:

I am writing on behalf of my patient, [Patient First and Last Name], to [request prior authorization of/document medical necessity for] treatment with [The Potty School’s service]. This letter provides information about the patient’s medical history and diagnosis, and a summary of the treatment plan.

Patient’s history - clinical

[Patient’s Name] is [a/an][age]-year-old [male/female] patient who has been diagnosed with [condition] as of [date]. [He/She] has been in my care since [date], having been referred to me by [referring physician name] for [reason].

[Brief summary of rationale for treatment with [potty training service]. This includes a brief description of the patient’s diagnosis, including the ICD-10-CM code, the severity of the patient’s condition, prior treatments, the duration of each, responses to those treatments, the rationale for discontinuation, as well as the other factors (eg, underlying health issues, age) that have affected your treatment selection.]

Treatment Plan

On [Date], the FDA approved [potty training service] for the treatment of [indication].

[Include plan of treatment (dosage, length of treatment) and clinical practice guideline that supports the use of [potty training service]. Consider mentioning experts in the field who also support the treatment.]


Based on the above, I believe [name of The Potty School’s service] is indicated and medically necessary for this patient. If you have any further questions about this matter, please contact me at [Physician phone Number] or via email at [Physician Email]. Thank you for your time and consideration.


[Physician Name and Credentials]


[List enclosures, which may include: prescribing information, clinical notes/medical records, diagnostic test results, relevant peer-reviewed articles, scans showing progressive disease, pathology reports, etc..]

Summary: Potty Training and Insurance: A Parent's Guide

This blog post explores the options for getting help with potty training, including coverage by insurance, HSAs, FSAs, and even schools.

Key points:
  • Insurance coverage for potty training consultants is still evolving. It may be categorized under various labels and require pre-approval.
  • HSAs and FSAs can often be used to pay for potty training consultations directly.
  • If insurance denies coverage, appealing the decision or seeking help through an IEP or 504 plan are possibilities.
The high cost of frustration:

Many parents seek professional help with potty training, but worry about the expense. This article explores ways to navigate insurance coverage and alternative options.

Insurance Coverage:
  • Unclear categorization: Insurance companies are unfamiliar with potty training consultant services, making categorization and billing codes fuzzy.
  • Pre-approval process: Getting pre-approval from your insurance company is crucial before starting services.
  • Documentation is key: A letter of medical necessity from a doctor can strengthen your case for coverage.
Alternatives to Insurance:
  • Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs): These accounts allow you to pay for potty training consultations directly.
  • Individualized Education Programs (IEPs) or 504 plans: If your child's potty training struggles impact their education, these plans may cover professional help.
Additional Resources:
  • The article provides contact information for top insurance companies and suggests questions to ask about coverage.
  • A sample letter of medical necessity is included to help parents obtain doctor support.
  • If you have additional questions, you can contact us at: help@thepottyschool.com
Overall, this blog post offers valuable information and resources for parents seeking to navigate the complexities of potty training and potential financial assistance.

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