The additional billing complexities of using primary and secondary insurance plans can take time to navigate. However, being informed about policies that may impact you financially is critical, especially concerning out-of-network stipulations and dual coverage coordination. This guide will help you understand Grow Therapy's dual coverage policies and how to contact the billing support team directly when you need clarification or account adjustments.
Key Takeaways
Before you schedule an appointment, please check with your primary insurance company to see if Grow Therapy is in or out-of-network.
Grow Therapy does not bill out-of-network insurance plans.
Only your primary insurance information is collected during the appointment booking process. Contact the billing support team to coordinate dual coverage for your account. Please have your insurance card(s) available to share with the agent.
Out-of-network billing policies
When a healthcare provider is "out-of-network," they are not contracted with your insurance plan. This status impacts how much you pay for services and if your insurance will cover the cost(s) at all.
Billing policy for out-of-network services: Grow Therapy does not bill out-of-network insurance plans. This policy helps avoid billing complications and ensures clients have transparency into their financial responsibilities while seeking care through the Grow Therapy marketplace and on the Grow Therapy platform.
What this means for you: If Grow Therapy is out of network with your primary insurance plans, you can schedule as a self-pay client. Paying out of pocket for your care can be a significant financial obligation, so consider contacting your insurance provider to find an in-network provider.
Using dual coverage
If you're covered under two insurance plans, confirm that your primary insurance is in-network with Grow Therapy first. Then, using the Help Widget in your client portal, contact the client billing support team and let them know you'd like to use dual coverage. When applicable, the agent will adjust your account to reflect your primary and secondary coverage.
Note: If Grow Therapy is out-of-network with your primary insurance, claims cannot be submitted to your primary or secondary insurance policy.
Dual coverage billing process
For clients with both primary and secondary insurance, the billing process typically works as follows:
Secondary insurance added: The billing support team adds your secondary insurance to your account and confirms your sessions will be billed through both policies.
Primary insurance billed: Your claim will first be submitted through your primary insurance coverage. This plan is generally responsible for covering most healthcare costs following the plan's terms.
Secondary insurance billed: Your secondary insurance plan may cover additional costs not covered by the primary. These costs can include copayments, coinsurance, or deductibles.
Dual coverage billing policy
The inability to bill your primary insurance often directly impacts secondary insurance submissions and considerations. Most secondary insurance policies require claim(s) submission to the primary insurance before considering it. If Grow Therapy cannot bill your primary insurance based on network unavailability, a claim cannot be submitted to your secondary insurance.
Best practices
Please consider the following steps and checks to ensure seamless use of your primary and secondary insurance.
Verify your coverage — Before scheduling an appointment, check with your insurance company to confirm if Grow Therapy is in or out-of-network. Checking your eligibility will also help you understand your coverage and potential out-of-pocket expenses.
Add your secondary insurance — Only your primary insurance information is collected during the appointment booking process. You'll need to speak to a client billing representative to add your secondary insurance coverage. They'll add the plan details to your account and confirm eligibility for claim submission to both insurance providers.
Consult Grow Therapy's client billing team — If you have any questions about your insurance plans or financial responsibility, this dedicated team can advise you on your next steps and clarify your unique billing situation.
Contact billing support
Please don't hesitate to contact the support teams with any questions or concerns. Grow Therapy is committed to providing quality care and transparent communication about billing policies and practices. Have your insurance card(s) ready to share with the agent to expedite the process.
To contact the client billing support team:
Select the "Help" button in the bottom right of your client portal.
Select the "Send us a message" button to start a conversation.
Select the "I need help with a billing issue" option and follow the prompts.
Additional information on contacting the support teams is available in this guide.