Every January 1, your health insurance plan renews and resets for a new year. That means your deductible goes back to $0, your EAP visit count updates (if applicable), and sometimes even your provider's network status changes. These resets are standard across all health insurance plans, but they can feel confusing when they affect your therapy costs or coverage. This article walks through the most common questions we hear in January so you can understand what's changing and what action you might need to take.
đ Note: The guidance below applies if you're keeping the same insurance carrier and plan type. If you switched carriers or plan types, update your insurance information in your client portal and confirm your therapist's network status before your next appointment. See the "I changed my insurance carrier or plan type" section below for next steps.
Key Points
Your deductible resets to $0 on January 1, even if you met it in the previous year. This is standard across all health insurance plans.
If your coverage shows as inactive right after your plan renews, that's usually temporary and clears within a couple of weeks.
If you have an EAP, your authorization code typically resets January 1 and needs to be updated in your account.
Network status and your cost per session can change year to year, even if you didn't actively switch insurance.
Contact Grow's Support Team anytime to confirm your coverage or get help updating your information.
Understanding your plan reset
Why does my insurance show as inactive even though I know it's active?
This is common in the first couple of weeks of January and usually isn't something you need to fix on your end. When your plan renews, there may be a short lag before your insurer's system and ours fully sync, which can cause an active plan to appear inactive or pending.
What to do:
If you just renewed your plan (same insurer, new plan year), give it 1â2 weeks; this often resolves on its own.
If it's still showing inactive after that window, or if you actually switched insurance providers, update your insurance information in your client portal or contact Support so we can look into it.
If you have an upcoming appointment and are worried about being billed incorrectly in the meantime, let Support know, and we can flag your account.
Why did my deductible go back up? I already met it last year.
Deductibles reset every plan year, typically January 1, though this depends on your specific plan's renewal date. Meeting your deductible in one year doesn't carry over to the next year. This is standard across virtually all health insurance plans. Because of this, it's common to pay more out of pocket for your first few sessions in January until you meet your new deductible again. If your cost per session looks higher than it did in December, this is usually why.
What to do:
Check your new plan's deductible amount and what you've paid toward it so far this year. Your insurer's member portal will have the most current information.
If you want to understand what to expect for the full year, our guide to choosing a plan for mental health coverage breaks down how deductibles, copays, and coinsurance affect your total annual cost.
Why did my cost per session change?
Several things can shift your per-session cost at the start of a new plan year, even if you're still with the same insurer:
Your deductible reset to $0 (see above)
Your copay or coinsurance percentage changed under the new plan year
Your plan's network tier or coverage level changed
What to do:
Confirm your current deductible, copay, and coinsurance directly with your insurer. These details live in your Summary of Benefits and Coverage (SBC) or your insurer's member portal.
If you're not sure what changed, calling your insurance company directly is the most reliable way to get an exact answer. Refer to Verify your benefits for a list of questions to ask and how to prepare for the call.
Managing your EAP benefits
I need to update my EAP code for the new year. How do I do that?
If you use an EAP benefit, your authorization usually renews annually, so you'll likely receive a new authorization code, visit count, and effective dates each January.
What to do:
Contact your EAP administrator (through your employer) to get your new EAP authorization letter. You'll need the sponsor name, authorization code, effective/expiration dates, and number of authorized visits.
Update this information in your Grow Therapy account. If you're not sure how, our article on using your EAP benefits walks through exactly where this goes during booking.
If you've already had a session billed before your new code was applied, contact Support. Depending on your situation, we may be able to rebill the claim or apply your new authorization retroactively.
đ Note: Grow Therapy currently accepts EAPs from Cigna, Evernorth, UnitedHealthcare/Optum, Amazon, Teach for America, and UAW/UMass. If you have Amazon, Teach for America, or UAW/UMass benefits, your eligibility is automatically verified, and you don't need to enter a new code.
I have two insurance plans (for example, a primary and a secondary/EAP). How do I make sure both are applied?
Let us know that you have dual insurance coverage so we can ensure your account and billing reflect both. EAP benefits in particular can only apply to sessions with one provider at a time, so if you're also switching providers, reach out to Support to make sure your benefits transfer correctly.
Confirming your provider and network status
Is my therapist still in-network for this plan year?
Network participation can change from year to year, even if you didn't change insurance. It's worth double-checking, especially if you selected a new plan during open enrollment.
What to do:
Check the Grow Therapy provider directory for your therapist, filtered by your current plan.
Use Grow's cost estimate tool to check insurance acceptance for your specific provider before your next appointment.
If your therapist is no longer in-network, you can search for a covered therapist or ask about self-pay rates if you'd like to continue with your current provider.
You can also call your insurance company to confirm whether your therapist's care through Grow Therapy is in-network under your specific plan. Your insurer may ask for Grow Therapy's tax ID or National Provider Identifier (NPI) to look up the billing entity. Have your therapist's name and the following information ready:
Detail | California | Outside California |
Tax ID | 871702628 | 852938829 |
NPI | 1154994846 | 1245845932 |
Switching insurance
I changed my insurance carrier or plan type. What should I do before my next appointment?
A few things are worth double-checking before your first session under new coverage:
Confirm your therapist is in-network under your new plan; network status doesn't carry over from your old plan.
Update your insurance information in your client portal before your appointment, if possible; this helps your claim process correctly the first time.
Know that your cost estimate may look different than it did under your previous plan, since deductible, copay, or coinsurance amounts can vary by insurer.
If anything about your bill looks off after a plan change, contact the Support Team. Mismatched insurance info is a common and easily fixed cause of unexpected charges.
I don't see my insurance in the dropdown when I try to update it. What do I do?
This usually means either your plan isn't yet supported in our system, or the exact plan name differs slightly from what's listed. Contact Support with your insurance card on hand (member ID and group number), and we can help track down the right option or confirm next steps.
Additional support
Where can I learn more about choosing or reviewing my plan for the new year?
Our open enrollment guide for 2027 walks through key dates, how to compare plans with therapy in mind, and what to check before you let a plan auto-renew. It's a good resource to revisit anytime your coverage changes, not just during open enrollment.
Still have questions?
Contact Grow's Support Team. Have your insurance card and (if applicable) your EAP authorization letter ready, and we'll help sort it out.