Finding the right support for your child with ADHD can be life-changing, but it’s not always affordable. While the benefits of ADHD coaching are clear, many insurance companies still don’t cover it.

That’s where Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) come in. These special benefit accounts allow parents to pay for eligible health-related expenses with pre-tax dollars, making ADHD coaching significantly more affordable.

Why ADHD coaching matters

Traditional school and work systems rely heavily on executive functioning, skills like planning, focus, and emotional regulation. For kids with ADHD, these are often the exact areas where they struggle most.

This isn’t a matter of intelligence or effort; it’s how ADHD brains are wired. But with the right coaching, kids can learn tools and strategies that fit how their brains work best. Research backs this up: a 2017 review found that 17 out of 19 studies on ADHD coaching showed meaningful improvements in symptoms and lasting benefits.

When your child works with a skilled ADHD coach, they develop personalized strategies to build skills that last a lifetime.

Using your HSA or FSA to fund coaching isn’t just a cost-saving move; it’s an investment in your child’s confidence, independence, and future success.

How HSAs and FSAs work

Both Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) help you pay for health-related expenses using pre-tax money that you set aside. This can save your family 30–40% compared to paying out of pocket. Many families receive them through their employer or insurance provider.

Health Savings Accounts (HSAs) work with high-deductible insurance plans and offer long-term flexibility. Funds never expire and roll over year after year, and you can even invest them for growth. Because the account stays with you if you change jobs, an HSA is a smart way to build lasting resources for your child’s ongoing needs.

Flexible Spending Accounts (FSAs) are employer-based and operate on an annual cycle, with the full yearly amount available upfront. Most follow a “use it or lose it” rule at year’s end, though some employers allow limited rollovers or a brief grace period. Careful planning helps you make the most of these tax-free dollars for your family’s needs.

What else can HSAs and FSAs cover for ADHD?

Beyond ADHD coaching, your HSA or FSA can cover a wide range of ADHD-related supports. This includes:

1. ADHD Medications: Copays and prescription costs.
2. Testing and Evaluation: Initial assessments and diagnostic testing.
3. Therapy and Counseling: CBT, psychotherapy, and mental health services are prescribed for ADHD.
4. Psychiatric Care: Office visits, medication management, and follow-ups.
5. Copays and Deductibles: Any ADHD-related medical expenses.
6. Special Education Services: Tutoring or learning support recommended by a doctor.

How to use your HSA/FSA for ADHD coaching

Using your benefits shouldn’t be complicated. That’s why at Coachbit, we partnered with Flex, a platform that makes paying for ADHD coaching with your HSA or FSA simple.

The entire process happens in minutes. No extra fees, no additional medical appointments, and no paperwork to track down. You can pay directly with your HSA/FSA card or use a personal card and get reimbursed later.

What if I don't have an HSA/FSA debit card?

No problem. Many plan administrators don’t issue debit cards, but you can still use your benefits.

Simply:

1. Pay for your program through a secure Flex checkout link.
2. Receive a detailed receipt and LOMN from Flex.
3. Submit both to your HSA or FSA administrator for reimbursement.

The documentation Flex provides is specifically designed to make the reimbursement process smooth and straightforward.

Do you need a diagnosis first?

No, you can begin the process even if your child doesn’t have formal diagnosis paperwork.

During the checkout process, Flex will connect you with a licensed healthcare provider who will review your child's situation. If your child qualifies, the provider will issue the Letter of Medical Necessity right away.

If you already have diagnosis documentation, you can include it, but it’s not required to start.

What is a Letter of Medical Necessity (LOMN)?

A LOMN is a signed statement from a licensed healthcare provider verifying that ADHD coaching qualifies as a legitimate medical expense. It's a key piece of documentation that enables you to use HSA or FSA funds for Coachbit services.

Flex manages this entire step for you, no doctor appointments or forms to chase. And best of all, Coachbit covers the cost of this service, so there are no hidden fees or delays.

Why won't my insurance cover ADHD coaching?

Most insurance plans don’t yet recognize ADHD coaching as a standard form of treatment. This isn’t due to lack of effectiveness; it’s because coaching is still an emerging field, and policies haven’t caught up.

Until they do, HSA and FSA benefits remain one of the best ways for families to access high-quality ADHD support affordably and without waiting months for coverage approval.

Can I use an HRA instead of an HSA or FSA?

In many cases, yes. Health Reimbursement Arrangements (HRAs) often follow similar rules to FSAs. You’ll pay upfront, then submit documentation, which Flex provides, for reimbursement through your employer or benefits provider.

If you’re unsure, check with your HR department or plan administrator.

Final Thoughts

At Coachbit, we believe that every child deserves access to tools that help them thrive, regardless of insurance limitations. That’s why we partnered with Flex to make ADHD coaching accessible to everyone who needs it.

Are you ready to start coaching with your HSA/FSA? Book a call with one of our Learning Strategists, and we'll handle everything else.

Sources:

Ahmann, E., Tuttle, L.J., Saviet, M., and Wright, S.D. (2018). ‘A descriptive review of ADHD coaching research: Implications for college students’, Journal of Postsecondary Education and Disability, 31(1), pp. 17–39.

Consumer Financial Protection Bureau (no date). ‘What is a flexible spending account (FSA) card or health savings account card (HSA)?’ [online]. Washington, DC: Consumer Financial Protection Bureau. Available at: https://www.consumerfinance.gov/ask-cfpb/what-is-a-flexible-spending-account-fsa-card-health-savings-account-card-hsa-en-417/ (Accessed 2 December 2025).

Mayer, K. (2025). ‘IRS announces 2026 HSA, HDHP limits’ [online]. Alexandria, VA: Society for Human Resource Management (SHRM). Available at: https://www.shrm.org/topics-tools/news/benefits-compensation/irs-announces-2026-hsa-hdhp-limits (Accessed 2 December 2025).

Society for Human Resource Management (SHRM) (2024). ‘FSA contribution limit rises to $3,400 for 2026: Tips for HR’ [online]. Available at: https://www.shrm.org/topics-tools/employment-law-compliance/fsa-contribution-limit-rises-to-3400-2026-tips-hr (Accessed 2 December 2025).

Villines, Z. (2023). ‘Does ADHD coaching work? Benefits and research’, Medical News Today, 18 July. Available at: https://www.medicalnewstoday.com/articles/adhd-coaching (Accessed 2 December 2025).