Grow Therapy offers a seamless billing experience. This guide will review:
How payments are processed.
What to expect when using insurance or self-pay.
Important policies regarding Health Savings Accounts (HSAs), Flexible Spending Accounts (FSAs), Health Reimbursement Arrangements (HRAs), and more.
Payment method requirement
💳 Card on file - To keep billing seamless and straightforward, Grow Therapy requires all clients, except those using Kaiser or Medicaid, to have a valid credit or debit card on file. We use this card to:
✔️ Cover patient responsibility costs like copays, deductibles, and coinsurance.
✔️ Prevent interruptions in care due to unpaid balances.
✔️ Pay for no-show or late cancellation fees, if applicable.
🌟 TIP: If your card is declined or expires, you will receive a prompt notification to update your payment information in your client portal.
Payment notifications
📩 Payment notifications and receipts - Grow Therapy is committed to transparent billing—you’ll always know before any charges are made. You can expect:
🕒 24-hour advance notice: You’ll receive an email titled "Your Upcoming Payment" exactly 24 hours before any charge is processed.
🧾 Automatic receipts: As soon as your payment is processed, a receipt will be sent to your email for easy recordkeeping.
Special payment methods: HSA, FSA, & HRA
Grow Therapy accepts HSAs, FSAs, and HRAs to help cover the cost of care. These are tax-advantaged accounts used to pay for qualified medical expenses. HSAs and FSAs are funded by you with pre-tax dollars, while HRAs are employer-funded and reimburse you for eligible expenses not covered by insurance.
Using an HRA?
💬 Some HRAs do not allow you to keep a card on file. If this applies to you, contact billing support via your client portal to request a charge block on your account.
✔️ Once a charge block is placed, your HRA will be billed before any out-of-pocket payments are required.
Using an HSA or FSA card?
💳 To ensure uninterrupted billing, add your HSA or FSA card to your account. This helps prevent duplicate charges or declined payments.
Insurance billing practices
If you're using insurance, here’s how the billing process works:
How charges are processed
⏳ After each session, a claim is submitted to your insurance provider.
🏦 Once the claim is processed, your insurance determines your patient responsibility amount—this may include copays, coinsurance, or deductible amounts.
💳 That amount is then automatically charged to the card you have on file.
🚫 Do not make payments through your insurance portal—Grow Therapy handles all billing directly.
Timing of charges
📋 Insurance claims usually take 3-4 weeks to process, but timelines may vary
💳 Your card will only be charged after we receive the insurer’s decision on what you owe.
🌟 TIP: If your insurance plan changes, be sure to update your insurance details in the client portal before your next session to avoid delays.
Cash pay billing practices
If you are paying out of pocket (also known as self-pay), here's how payments work:
💳 Your card on file will be automatically charged after each session, no need to worry about manual payments.
🕒 Charges are typically processed within 24-48 hours after your provider submits the session invoice.
✅️ You will be charged the provider’s standard self-pay rate unless a different rate was pre-arranged.
Frequently asked questions
Can I set up a payment plan?
Not at this time. Grow Therapy currently does not offer payment plans, but we're working on introducing a flexible payment option soon.
Can I use multiple cards for a single payment?
Payments cannot be split between multiple cards. Only one card can be used per transaction.
Can I change the payment method after a charge has been processed?
No, Grow Therapy cannot reverse a charge and apply it to a different card once it has been processed.
Additional support
💡 If you have any questions or need further assistance, contact the Billing Support Team using the Help Widget in your client portal. The team is here to assist you with any billing concerns.