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.
🌟 Note: A billing statement and a superbill 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 (without billing your insurance directly).
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. Verify that Grow Therapy is out-of-network with your insurance plan before requesting a superbill. If you're unsure, call your insurance company and ask whether Grow Therapy is in-network.
Wait until your session is complete and your payment has processed. Superbills can only be generated after a session has been finalized and payment has cleared.
Message your provider through the client portal. Visit Contact your provider for step-by-step instructions. In your message, include:
The date(s) of the session(s) you need covered
Your insurance carrier's name (if you know it)
A note that you're planning to submit for out-of-network reimbursement
Receive and review your superbill. Your provider will generate the superbill and share it with you. Once you have it, review it carefully before submitting it to your insurer — check that the provider details, session dates, and diagnosis and procedure codes are all accurate. If you spot an error, contact your provider to request a correction.
🌟 Note: Turnaround time varies by provider. After sending your request, allow a few business days for your provider to generate and share the document. If you haven't heard back, send a follow-up message through the portal.
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: When submitting your superbill, you may see a field called Assignment of Benefits (AOB). This determines who receives the reimbursement — you or your provider.
Yes / Assign benefits → your insurer pays your provider directly, not you.
No / Member reimbursement → your insurer reimburses you directly.
If you've already paid for your session out of pocket, select No or member reimbursement so that the payment comes back to you. Incorrectly assigning benefits is one of the most common reasons reimbursement goes to the wrong party.
⚠️ Important: If Grow Therapy is in-network with your insurance, do not submit a superbill. Your insurer will pay Grow Therapy directly, and submitting a superbill can cause confusion and delays.
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 needs documentation to process a claim, you'll need a superbill, not just a billing statement.
Can I request a superbill for past sessions? Yes, you can request a superbill for sessions that have already been completed and billed. In your message to your provider, include the specific session date(s) you need. Note that providers may need additional time for older sessions, so send your request as soon as possible.
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 before submitting to your insurer.
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? If you're unable to message your provider — for example, if the therapeutic relationship has ended or you're experiencing a technical issue — contact our support team for assistance. They can help connect you with your provider or advise on next steps.