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Does Insurance Cover a Night Nanny?

It depends on your insurer, your specific plan, and where you live. Some families have part or all of the cost reimbursed, some pay with HSA or FSA funds, and others pay out of pocket.

The night nannies listed on Bornbir tell us which plans they accept. Pick your insurance below to see night nannies near you who accept it, or answer a few questions and let matching night nannies come to you.

Insurance plans accepted by night nannies

36 plans with at least 2 night nannies listed on Bornbir.

Carrot Night Nannies 225 providers
Medicaid Night Nannies 62 providers
UnitedHealthcare Night Nannies 46 providers
Aetna Night Nannies 38 providers
Kaiser Permanente Night Nannies 32 providers
Blue Cross Blue Shield (BCBS) Night Nannies 31 providers
Tricare Night Nannies 29 providers
Anthem Blue Cross Night Nannies 26 providers
Anthem Blue Cross Blue Shield Night Nannies 24 providers
Cigna Night Nannies 21 providers
Health Net Night Nannies 16 providers
UnitedHealthcare Community Plan Night Nannies 16 providers
Humana Night Nannies 15 providers
Molina Healthcare Night Nannies 15 providers
Medicare Night Nannies 14 providers
Blue Shield of California Night Nannies 9 providers
Blue Choice Health Plan Night Nannies 6 providers
Blue Cross Blue Shield Federal Employee Program Night Nannies 6 providers
Horizon NJ Health Night Nannies 5 providers
Blue Cross Blue Shield of Michigan Night Nannies 4 providers
Blue Cross Blue Shield of Massachusetts Night Nannies 3 providers
Blue Cross Blue Shield of North Carolina Night Nannies 3 providers
Blue Shield of Northeastern New York Night Nannies 3 providers
Florida Blue: Blue Cross Blue Shield of Florida Night Nannies 3 providers
Highmark Blue Cross Blue Shield Night Nannies 3 providers
Multiplan PHCS Night Nannies 3 providers
Blue Cross Blue Shield of Georgia Night Nannies 2 providers
Blue Cross Blue Shield of Illinois Night Nannies 2 providers
CareFirst Blue Cross Blue Shield Night Nannies 2 providers
Horizon Blue Cross Blue Shield of New Jersey Night Nannies 2 providers
Regence Blue Cross Blue Shield Night Nannies 2 providers
Triple-S Salud: Blue Cross Blue Shield of Puerto Rico Night Nannies 2 providers
Triwest Healthcare Alliance Night Nannies 2 providers
UnitedHealthcare Oxford Night Nannies 2 providers
US Health Group Night Nannies 2 providers
Wellmark Blue Cross Blue Shield Night Nannies 2 providers

How to check your own coverage

Call the number on your insurance card. Ask member services whether night nanny services are covered under your plan, and what paperwork they need.
Ask the night nanny how they bill. Some bill your plan directly, and others give you an itemized receipt to submit for reimbursement.
Ask about the alternatives if your plan says no. HSA and FSA funds, sliding scale rates, and payment plans are all worth asking about.

Night Nanny Services FAQs

What is a night nanny and why should you hire one?

A night nanny, also known as a night nurse or newborn care specialist, is a trained professional who provides overnight care for your baby, allowing parents to rest and recover. They typically handle nighttime feedings, diaper changes, soothing, and monitoring the baby throughout the night. Night nannies can be especially valuable during the first few months when sleep deprivation is most challenging, helping parents maintain their physical and mental health while ensuring their baby receives expert care.

What should I expect from a night nurse?

A night nanny typically provides overnight care for your baby, allowing parents to rest and recharge. Their responsibilities often include feeding the baby (or bringing the baby to the mother for nursing), bottle preparation, diaper changes, soothing the baby back to sleep, and monitoring for any issues. They may also offer advice on establishing healthy sleep habits. Night nannies usually work for a set number of hours per night, and their rates can vary based on experience and qualifications. Expect a professional, compassionate caregiver who can adapt to your family's specific needs and preferences.

What types of night nannies are for hire?

Families seeking night nannies have various options, including: postpartum doulas who provide overnight support for newborn care and parental guidance; newborn care specialists focusing on infant sleep training and feeding routines; and traditional nannies offering overnight care for children of different ages.

How much does a night nanny cost?

The cost of hiring a night nanny can vary significantly based on location, experience, and services offered. On average, night nanny services in the United States range from $20 to $45 per hour, or $200 to $500 per night for 8-12 hour shifts. Some night nannies offer package deals for multiple nights per week. Rates tend to be higher for twins or multiples, specialized medical needs, or in major metropolitan areas. Many families find that even hiring a night nanny for just 2-3 nights per week can make a significant difference in their well-being.

What's the difference between a night nanny and a babysitter?

A night nanny typically exhibits a higher level of commitment to a newborn than an overnight babysitter. This commitment manifests in various ways, such as actively soothing the baby, swaddling, and even handling more intricate tasks like preparing meals specifically for the newborn, washing baby bottles, and taking care of the baby's laundry. In essence, a night nanny is deeply involved in almost every aspect of the newborn's nighttime routine and care. On the other hand, a babysitter tends to have a more limited scope of responsibilities. Their primary role often revolves around ensuring the safety and basic needs of the newborn or child. This might include monitoring the baby and intervening when necessary, but generally does not extend to more involved tasks like meal preparation or laundry specifically for the baby.

What's the difference between a night nanny and a postpartum doula?

While both provide overnight support, there are key differences. A night nanny focuses primarily on infant care – feeding, changing, soothing, and establishing sleep routines. They typically work overnight shifts and may have specialized training in newborn care, sleep training, or infant development. A postpartum doula provides holistic support to the entire family, including emotional support, breastfeeding assistance, light household tasks, and sibling care. Postpartum doulas often work various shifts and focus on helping parents adjust to their new roles. Some professionals offer both services, and the choice depends on your specific needs and preferences.

When should I book a night nanny?

It's recommended to start looking for a night nanny during your second or third trimester, ideally 2-3 months before your due date. This gives you time to interview candidates, check references, and find someone who aligns with your parenting style and needs. Popular night nannies often book up months in advance, especially during peak seasons. However, if you're already postpartum and struggling with sleep deprivation, it's never too late to seek help – many night nannies on Bornbir have last-minute availability.

How much does it cost to use Bornbir?

Bornbir is entirely free for new and expecting parents to use. To begin, simply tell our community of night nannies what you need in your job posting and let the right providers come to you. You can then engage in direct conversations with top-rated night nannies to learn more and make informed decisions. Our goal is to facilitate a seamless and accessible experience for you as you embark on this transformative journey. Get started.

Insurance coverage guides

Can a night nurse be covered by insurance?

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