Navigating insurance can be challenging, especially when it comes to therapy and psychiatric services, which are often covered differently from regular doctor visits. This guide answers common questions about insurance coverage for therapy. To learn more about how health insurance coverage can affect your therapy options, visit Understanding health insurance and therapy costs on the Grow Therapy blog.
Key Points
Confirm your coverage with your insurance provider before booking your first appointment to avoid unexpected out-of-pocket costs.
Your session cost depends on your insurance plan, your provider's qualifications, your location, and session length.
If you use insurance, you won't be charged until 3–4 weeks after your appointment, once Grow Therapy receives confirmation from your insurer.
If you're a self-pay client, you'll be charged 2–3 days after your provider submits the session invoice.
Your health records are retained for 10 years and available upon request.
Video walkthrough
If you prefer video, this webinar from Grow Therapy's Client Billing Support guides you through the written information in this article.
🎥 To watch this video with closed captions, hover over the video, click the ⚙️ settings icon, and turn on captions using the toggle.
Frequently asked questions
Getting started
🌟 Note: Always confirm your coverage with your insurance provider before committing to any appointments. This helps you avoid unexpected out-of-pocket costs for services.
What insurance networks are accepted by Grow Therapy? Grow Therapy providers currently accept a wide variety of health insurance. Coverage depends on your region. The Cost Estimate tool is the easiest way to check your eligibility. Alternatively, you can review insurance acceptance by state on the Grow Therapy website.
If your insurance isn't accepted yet, Grow Therapy is consistently looking to add new partners to bring affordable mental health care to everyone. In the meantime, many providers offer cash pay as an option. Select "Cash" in the "Insurance" dropdown of the Find a Provider tool to review these options.
How do I contact my insurance company? Your insurance card should have a "Members Services" or "Customer Service" number, typically on the back. When speaking with your insurance, be prepared to share your ID number, name, date of birth, and social security number.
Ask for a cost estimate for outpatient mental health services and provide the following information to the representative:
For clients located in California:
Facility Name: Grow Healthcare Group PC
Service Address: 99 S Almaden Blvd, Suite 600, San Jose, CA, 95113
NPI: 1154994846
For clients in all other states:
Facility Name: Grow Healthcare Group PA
Service address: 66 W Flagler St, Suite 900, Miami, FL, 33130
NPI: 1245845932
Common terms explained
Various technical terms may arise while reviewing your coverage documents or discussing your coverage with an insurance agent. Below is an explanation of the most important and common terms.
What is a copay? A copay is a fixed cost per service. If your plan states that the mental health benefits are subject to a copay, sessions will cost the same, regardless of the CPT code(s) billed by your provider following your appointment(s).
📚 Definition: The Current Procedural Terminology (CPT®) codes offer doctors and healthcare professionals a uniform language for coding medical services and procedures to streamline reporting and increase accuracy and efficiency.
What is a deductible? A deductible is the amount you pay for health care services before your health insurance begins to pay. Plans can have an individual deductible that must be met by the individual seeking care or a family deductible for all plan members to meet collectively. Deductibles typically reset every year or when starting a new plan.
⚙️ How it works: If your plan's deductible is $1,500, you'll pay 100 percent of eligible healthcare expenses until the bills total $1,500. After that, you share the cost with your plan by paying coinsurance.
What is coinsurance? Coinsurance is your share of the costs of healthcare services. It's usually figured as a percentage of the amount the insurer allows to be charged for services. You start paying coinsurance after you've paid your plan's deductible.
Coinsurance payments continue until the end of the plan period or until you've hit the out-of-pocket maximum/limit.
⚙️ How it works: You've paid $1,500 in health care expenses and met your deductible. When you receive additional care, such as a doctor's appointment or therapy session, instead of paying all costs, you and your plan share the cost.
For example, if your plan pays 80%, the remaining 20% is your coinsurance. A $100 visit with a Grow Therapy provider would result in $80 covered by your insurance provider, with you being responsible for the remaining $20 out of pocket.
What is an out-of-pocket maximum/limit? Your out-of-pocket maximum/limit is the most you must pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance for in-network care and services, your health plan pays 100% of the costs of covered benefits.
The out-of-pocket limit doesn't typically include the following:
Your monthly premiums (i.e., the recurring payment to your insurer for coverage)
Anything you spend on services your plan doesn't cover
Out-of-network care and services
⚙️ How it works: If your limit is $7,500 and you spend this much on services throughout the year, your insurance will cover 100% of the costs after that. No additional coinsurance payments are required.
Can I use an HSA or FSA to pay for therapy? Yes — therapy sessions are generally eligible expenses under both Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). If you'd like to pay using HSA/FSA funds, contact our Client Billing Support Team for guidance.
Coverage concerns
Do you have dual coverage? If you are covered by multiple insurance plans, please confirm with your primary insurance that they have your secondary insurance plan on file by requesting to update your Coordination of Benefits (COB). Many insurance companies will only reimburse you if you report your secondary insurance.
Also, send a copy of your secondary health insurance card to Grow Therapy's Client Billing Support Team to avoid being charged under your primary benefits only.
Are you out of network? If your plan is out-of-network, you will be billed at your provider's self-pay rate. You can request an invoice, also known as a superbill, from your provider for you to submit to your insurance for reimbursement. Self-pay visits do not count toward an insurance deductible.
Session costs
How are session costs determined? The cost of a therapy session depends on your insurance plan, your provider's qualifications, your location, and session length. Pricing is calculated based on your current plan details. If session costs don't match your expectations, contact our Client Billing Support Team via your client portal.
When will I be charged? If you're using insurance, Grow Therapy doesn't charge your card until 3–4 weeks after your appointment — once we receive confirmation from your insurance company about your financial responsibility.
If you're a self-pay client, you can expect a charge 2–3 days after your provider submits the session invoice. You can track the status of your invoices at any time by navigating to Accounts and selecting the Billing information tab in your client portal.
Either way, you'll receive an email summarizing the charges 36 hours before payment is collected. Eligible charges may be rescheduled for up to 16 days. Learn how to reschedule a charge.
