Before starting your therapy journey, it's helpful to check what your insurance covers. This guide answers common questions about verifying your benefits, helping you feel confident and prepared as you take this important step!

What is verification of benefits? VOB is the process of contacting your insurance provider to confirm which mental health services are covered under your plan, including any out-of-pocket costs—such as copays, coinsurance, or deductibles—you might owe.

Why do I need to verify my insurance benefits? Confirming what your insurance will cover and what you’ll be responsible for paying can help you avoid unexpected bills.

How do I verify my benefits for Grow Therapy? Start by gathering your personal information (full name, date of birth, and member ID) and Grow Therapy's provider details (listed below). Then call the member services number on the back of your insurance card and ask to confirm coverage for outpatient mental health services.

For the full step-by-step process, including key questions to ask, refer to the Verify your benefits article.

Can I verify my benefits online? While some insurance companies offer online portals, speaking with a representative over the phone can help you get the most accurate and current information.

What information do I need to provide to my insurance company? You'll need your full name, date of birth, and insurance member ID. You will also be asked to provide Grow Therapy’s provider information, which is listed below.

How long will it take to verify my insurance benefits? Usually 10-20 minutes, though hold times or complex policies may lengthen the call.

What should I do if my insurance company needs more information or I have follow-up billing questions?

What happens if my insurance doesn’t cover mental health services? You can still receive care as a self-pay client. Your provider's self-pay rate is visible in the Find a Provider tool. You can also request a superbill from your provider to submit to your insurer for possible reimbursement. Contact the Billing Support Team if you have questions about your options.

What should I do if my insurance company denies my claim after verifying my benefits? Reach out to the Billing Support Team via your client portal. They can review the claim denial and guide you on the next steps.

Does Grow Therapy accept Health Savings Accounts (HSAs) or Flexible Spending Accounts (FSAs)? Yes! HSA and FSA cards are accepted and can help cover out-of-pocket costs or services not fully covered by insurance.