If you're covered under two insurance plans, understanding how Grow Therapy handles dual coverage billing can help you avoid unexpected costs and ensure your sessions are billed correctly.
Key Takeaways
Confirm that your primary insurance is in-network with Grow Therapy before scheduling an appointment.
Grow Therapy does not bill out-of-network insurance plans.
Only your primary insurance is collected during booking. Contact the Billing Support Team to add your secondary coverage.
If Grow Therapy can't bill your primary insurance, claims can't be submitted to your secondary insurance either.
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.
Grow Therapy does not bill out-of-network insurance plans. If Grow Therapy is out of network with your primary insurance, you can still schedule as a self-pay client. You may also request a superbill from your provider to submit to your insurer for possible reimbursement — refer to the Superbill FAQ article for details.
🌟 Note: Paying out of pocket for care can be a significant financial commitment. Consider finding an in-network provider if cost is a concern.
Using dual coverage
If you're covered under two insurance plans, confirm that your primary insurance is in-network with Grow Therapy first. Then, contact the Client Billing Support Team via the Help Widget in your client portal and let them know you'd like to use dual coverage. The agent will adjust your account to reflect your primary and secondary coverage.
⚠️ Important: If Grow Therapy is out of network with your primary insurance, claims cannot be submitted to your primary or secondary insurance policy.
How dual coverage billing works
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.
Most secondary insurance policies require a claim to be submitted to primary insurance first. If Grow Therapy cannot bill your primary insurance due to network unavailability, a claim cannot be submitted to your secondary insurance.
Frequently asked questions
How do I add my secondary insurance? Only your primary insurance is collected during the appointment booking process. To add your secondary coverage, contact the Client Billing Support Team via the Help Widget in your client portal and have your insurance card ready to share.
What happens if my secondary insurance claim is denied? If your secondary insurance denies the claim, you'll be responsible for any costs not covered by your primary insurance. Contact the Client Billing Support Team to review your options, which may include requesting a superbill for direct reimbursement.
Can I use a superbill if Grow Therapy is out of network? Yes — if Grow Therapy is out of network with your insurance, you can request a superbill from your provider to submit to your insurer for possible reimbursement. Review the Superbill FAQ article for details.
What should I have ready when I contact the billing team? Have your insurance card(s) available to share with the agent. This helps them confirm your coverage details and set up dual billing on your account as quickly as possible.
How do I contact the Billing Support Team? Select the Help Widget at the bottom right of your client portal, then select Send us a message and describe your billing question.