This guide provides an overview of our billing practices, including how we handle insurance payments, self-pay clients, and the use of Health Savings Accounts (HSAs), Flexible Spending Accounts (FSAs), and Health Reimbursement Arrangements (HRAs).

Card on File: All clients, except those using Kaiser or Medicaid, must have a card on file. This requirement ensures that any patient responsibility for care is properly paid to your provider and covers any no-show or late cancellation fees.

Payment Notifications: Before any charge is made to your card, you will receive an email notification at the address on file with the subject line "Your Upcoming Payment," this email will be sent 24 hours before the charge is processed.

Receipts: Once a payment is processed, you will receive a receipt via email.

Understanding HRAs: A Health Reimbursement Arrangement (HRA) is an employer-funded plan that reimburses employees for medical expenses not covered by insurance. If you have an HRA and cannot place a card on file, please contact our billing support team via your client portal. The team will place a charge block on your account to ensure your HRA is billed before any automatic charges and that you are not charged incorrectly.

HSA/FSA Cards: If you plan to use an HSA or FSA card for payment, please ensure that it is on file. This helps prevent duplicate charges.

Automatic Charges: If you have insurance information on file, Grow will automatically charge your card on file for your portion of the cost (patient responsibility) after receiving coverage information from your insurer. This amount is determined based on the portion your insurance does not cover. Please do not make payments directly through your insurance portal.

Submitting Insurance Information: Please provide your insurance details before your first session and anytime your coverage changes to avoid being charged the cash pay rate. This ensures we can bill your insurer promptly and correctly.

Timing of Charges: For clients using insurance, expect your card to be charged 3-4 weeks after your appointment. This timeline may vary depending on how quickly your insurer processes the claim and can occasionally be shorter or longer.

Automatic Charges: If you pay out of pocket for your session (not utilizing insurance), the card provided will be automatically charged after each session.

Timing of Charges: If you are a cash-pay client, your card will typically be charged 24-48 hours after your provider submits the invoice for your session. You will be charged at the provider's advertised self-pay rate unless a different rate has been agreed upon in advance.

Grow does not offer payment plans, and refunds cannot be issued to one card and then billed to a different card.

Grow cannot split an outstanding balance across multiple cards for payment.

If you have any questions or need further assistance, please do not hesitate to contact the billing support team using the Help Widget in your client portal. The team is here to help you navigate your billing and payment process smoothly.