Does Insurance Cover Sober Coaching?
Does Insurance Cover Sober Coaching?
Private pay. Complete confidentiality.
No, insurance does not cover sober coaching.
Sober Coaching is a private pay service. We do not accept health insurance, Medicaid, Medicare, or any third-party payer. This is not a limitation — it is a deliberate choice that protects you.
Why We Are Private Pay — And Why It Matters
When a service is billed through insurance, the insurance company requires a formal diagnosis, treatment codes, session notes, and ongoing documentation. That information is stored in your medical record and can affect your employment, professional licensing, life insurance rates, and security clearances.
Our clients include executives, physicians, attorneys, pilots, public figures, and anyone who cannot afford to have their recovery become part of a permanent record. Private pay means your engagement with us stays completely confidential — no diagnosis, no codes, no documentation shared with anyone.
No Insurance Records
Your recovery does not appear in your medical record, insurance history, or any third-party database.
No Diagnosis Required
Insurance requires a formal diagnosis to bill. We do not diagnose — we coach. No label, no code, no file.
Complete Confidentiality
We do not report to employers, licensing boards, or anyone else. Your information stays with us.
Can I Use My HSA or FSA?
In some cases, yes. Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) may cover recovery coaching services, depending on how your plan defines eligible medical expenses. Some plans categorize behavioral health coaching as a qualified expense.
We recommend contacting your HSA or FSA administrator directly to ask whether recovery coaching or behavioral health coaching is a covered expense under your specific plan. We can provide documentation of services upon request.
What About My Employer's EAP?
Employee Assistance Programs (EAP) sometimes include provisions for behavioral health coaching. However, using an EAP typically involves disclosure to your employer's program administrator and may create a record within your company's HR system.
If confidentiality is a priority — and for most of our clients it is — we recommend carefully reviewing your EAP's privacy terms before using that benefit. Many clients choose to pay privately specifically to avoid any employer-level disclosure.
How Much Does Sober Coaching Cost?
Pricing varies based on the type of service, level of support, and duration of engagement. We are transparent about costs from the first conversation.
- Online Recovery Coaching — Contact us for pricing
- Sober Coach (in-person) — Priced based on frequency and location
- Sober Companion (24/7) — Priced based on duration and travel requirements
- Sober Transport — Priced based on distance and duration
Call us for a confidential consultation and we will provide transparent pricing for your specific situation. No pressure, no obligation.
Common Questions
Can I get a receipt or invoice for tax purposes?
Yes. We provide receipts and invoices for all services. If you are submitting for HSA/FSA reimbursement or need documentation for any other purpose, we will provide whatever paperwork you need.
Do you offer payment plans?
We discuss payment arrangements on a case-by-case basis. Call us and we will work with you to find a structure that makes sense for your situation.
Is there a minimum commitment?
Minimum engagement varies by service. Online coaching has no long-term commitment requirement. Sober companion engagements are typically structured in 30-day increments. We will discuss what makes sense for your specific needs.
Ready to take the next step?
Get a Confidential Consultation — No Obligation
Call us or send a message. We will answer your questions about cost, services, and how to get started — privately and without pressure.
Have more questions? Visit our full FAQ page.