If Grow Therapy is out-of-network with your insurance, you may be able to get reimbursed for your sessions by submitting a superbill directly to your insurer. This article explains what a superbill includes, how it differs from a billing statement, and how to request one from your provider.
🌟 Superbill vs. billing statement: These are two different documents. A billing statement summarizes your session charges and payment history — you can generate one from your client portal. A superbill is a detailed clinical document that includes diagnosis and procedure codes formatted specifically for insurance reimbursement. If you're filing an out-of-network claim, you need a superbill.
Key Points
Superbills are used to request reimbursement from your insurance when Grow Therapy is out-of-network with your plan.
A superbill includes CPT (Current Procedural Terminology) codes, ICD-10 diagnosis codes, provider details, and payment information — everything your insurer needs to process an out-of-network claim.
To get a superbill, contact your provider directly after your session through the messaging feature in your client portal.
Always confirm whether Grow Therapy is out-of-network with your plan before submitting a superbill. Submitting one when Grow Therapy is in-network can delay your reimbursement.
What is a superbill?
A superbill is a document your provider generates after your session that you can submit to your insurance company to request reimbursement. It functions as a detailed receipt — but unlike a standard billing statement, it includes the clinical and billing codes insurers require to process out-of-network claims.
You'll need a superbill if Grow Therapy is out-of-network with your insurance and you're paying for sessions out of pocket (also known as cash pay).
What does a superbill include?
A superbill typically contains:
Provider details (name, address, phone number)
Date of service
Total amount charged and payment made
Tax ID
NPI (National Provider Identifier) number
State license number
CPT codes
ICD-10 diagnosis codes
Provider signature
How to request a superbill
Confirm you're out-of-network. Before requesting a superbill, verify that Grow Therapy is out-of-network with your insurance plan.
Contact your provider directly after your session has been completed and your payment has processed. You can reach them through the messaging feature in your client portal — visit contact your provider for instructions.
Your provider will generate and share the superbill with you. Once you receive it, review it for accuracy before submitting it to your insurer.
How to submit a superbill to your insurance
Once you have your superbill:
Contact your insurance company to learn their process for out-of-network claims. Many insurers offer an online portal, a specific mailing address, or a member services phone line for this.
Submit the superbill along with any required documentation, following your insurer's specific instructions.
Track your claim by monitoring its status with your insurer until reimbursement is confirmed.
⚠️ Important: Always confirm whether Grow Therapy is out-of-network with your plan before submitting a superbill. If Grow Therapy is in-network, submitting a superbill can cause confusion and delays — your insurance will pay Grow Therapy directly, not you.
Frequently asked questions
How is a superbill different from a billing statement? A billing statement summarizes your charges and payment history. A superbill is a clinical document that includes diagnosis and procedure codes — it's specifically formatted for out-of-network insurance reimbursement. If your insurer requires documentation to process a claim, you'll need a superbill, not just a billing statement.
What if I submit a superbill and Grow Therapy is in-network? If Grow Therapy is in-network with your insurance, you shouldn't submit a superbill. Your insurer will pay Grow Therapy directly, and submitting a superbill may create confusion or delay your reimbursement.
How do I know if my superbill is accurate? Review it for the correct provider name, address, and NPI number; accurate CPT and ICD-10 codes; dates of service that match your sessions; and a total amount that reflects what you paid. If anything looks off, contact your provider to request a correction.
What if I lose my superbill? Contact your provider and they can issue a replacement. Request it as soon as possible to avoid delays in submitting your claim.
Can I use a superbill for HSA or FSA reimbursement? In most cases, a billing statement is sufficient for HSA/FSA claims. A superbill is specifically designed for out-of-network insurance reimbursement. Check with your HSA/FSA administrator if you're unsure which document they require.
What if I can't reach my provider through the portal to request a superbill? If you're unable to message your provider through the client portal — for example, if the therapeutic relationship has ended or you're experiencing a technical issue — contact the Support Team for assistance. They can help connect you with your provider or advise on next steps.
How long does it take to receive a superbill after requesting one? Turnaround time can vary depending on your provider's availability. After sending your request through the portal, allow a few business days for your provider to generate and share the document. If you haven't heard back after a reasonable amount of time, follow up with your provider directly or contact the Support Team for assistance.
What is Assignment of Benefits, and how does it affect my reimbursement? Assignment of Benefits (AOB) is a field you may see on a claim form when submitting a superbill to your insurance. It determines who receives the reimbursement payment — you or your provider.
If you select Yes (or "assign benefits"), your insurance will send payment directly to Grow Therapy, not to you.
If you select No (or "member reimbursement"), your insurance will reimburse you directly.
If you've already paid for your session out of pocket and are submitting a superbill for reimbursement, you should always select No or choose member reimbursement.
⚠️ Important: Incorrectly assigning benefits to the provider is one of the most common causes of misdirected payments. If Grow Therapy is in-network with your insurance, your insurer will pay Grow Therapy directly regardless of how you complete this field — in that case, a superbill is not the right path.