One of the core reasons providers join Grow is to hand off the administrative burden of credentialing and billing. Grow handles insurance verification, claim submission, and payment collection on your behalf — meaning you can focus on your clients without needing to become a billing expert.
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That said, a working familiarity with how the revenue cycle operates can be valuable. When a payout differs from expectations or Grow's billing team reaches out about a claim, understanding the language and process helps you respond with confidence and context.

Revenue cycle management (RCM) covers the entire lifecycle of a claim — from the completion of a session to the receipt of payment. At Grow, this process is handled entirely by our billing team on your behalf.
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You will not see how claims are filed, and you do not need to interact with insurance companies directly. In your provider portal, you will see your expected payout and payout date for each session.
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Clients enter their insurance information when they book an appointment. Grow verifies their eligibility and submits claims after you submit an invoice. If an issue arises, such as an eligibility issue or a claim denial, Grow's billing team manages it and communicates directly with the client. Providers are brought into that conversation only when it's necessary.

A claim denial is when an insurance company declines to pay for a submitted session. Denials can occur for a range of reasons, including inactive coverage, coordination-of-benefits issues, or missing information.

​What this means for you as a provider: Because Grow guarantees insurance payouts, a denial does not mean you will not be paid. Grow's billing team handles denied claims on your behalf, including resubmission and appeals when applicable. Your payout is protected while that process is underway.

A clawback, also called a recoupment, is the recovery of a previously issued payment. There are two distinct scenarios. The first is an insurer-initiated recoupment following an audit, typically when the documentation did not sufficiently support the billed service.
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The second is a billing correction: if a claim was originally submitted to the wrong payer and later rebilled correctly, the reimbursement rate may change, and your payout can be adjusted accordingly. Billing corrections are a compliance requirement driven by federal billing regulations and Grow's contracts with insurers, and they can occur well after the original session was paid.
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What this means for you as a provider: For insurer-initiated recoupments, Grow absorbs the cost — it does not come out of your earnings. For billing corrections, a payout adjustment may apply. In both cases, thorough and consistent session documentation is your strongest protection. If you receive an unexpected payout adjustment, contact Provider Billing Support through the Help Widget for clarification.

A clean claim is an invoice submitted with accurate CPT and diagnosis codes that are consistent with your clinical documentation, free of errors, and processed without delays. When you submit an invoice in your provider portal, you select the CPT code for the service provided and the ICD-10 diagnosis code that supports it — Grow's billing team handles submission from there.
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What this means for you as a provider: Mismatches between the code billed and your session notes are among the most common triggers of claim denials and post-payment audits. Selecting codes that accurately reflect what occurred in the session — and ensuring your documentation supports them — is the single most effective way to protect your payout.

Coordination of benefits applies when a client has more than one active insurance plan. In these cases, one plan is designated as primary and billed first; the other is secondary. Sorting out which plan pays — and how much — can delay claims processing.
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What this means for you as a provider: If a client has multiple insurance plans, it may take longer than the standard 14–21 days for their claim to process. You will still receive your guaranteed payout once the COB determination is resolved. If a client mentions having more than one insurance plan, ask them to contact support via the Help Widget and to provide a photo of their insurance card. This allows the billing team to verify their coverage accurately.

An eligibility issue occurs when a client's insurance cannot be verified — typically because their coverage is inactive, their information on file is incorrect, or their plan has changed. Eligibility issues are one of the most common reasons a claim is delayed or denied on the back end.
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What this means for you as a provider: Grow verifies client insurance before and around the time of their appointment. If an eligibility issue is identified, the billing team will reach out to the client directly to resolve it. You may occasionally see a client's invoice in a pending state longer than usual while this is being resolved. Your payout is not at risk during this process for insurance sessions.

A payout adjustment is a change to the amount you receive for a session compared to the original estimate. Adjustments can be positive or negative and may reflect an updated contracted rate, a correction to a previously processed claim, or a coordination-of-benefits determination (see below).
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What this means for you as a provider: Your portal displays an estimated payout for each session. If the final payout differs from that estimate, it will be reflected in your Payouts page once the claim is fully processed. If you notice a recurring pattern of unexpected adjustments, contact Provider Billing Support through the Help Widget.

Even with Grow managing the billing backend, the revenue cycle touches your practice in three meaningful ways.
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Compliance — Insurance companies can audit claims at any time, sometimes well after a session was completed and paid. Accurate diagnosis codes, consistent session notes, and documentation that reflects ongoing medical necessity are your line of defense. Grow's billing practices are designed to support compliance, but it's your documentation that substantiates every claim.
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Client Experience — Billing confusion is one of the most common sources of friction between clients and their providers. You may not have visibility into a client's specific cost-sharing details, but understanding the basics — that a high bill might reflect a deductible resetting in January, or that a change in their insurance can create a temporary delay — helps you respond with reassurance rather than uncertainty.
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Financial Stability — Grow's payout guarantee is a meaningful protection, but it also relies on clean, well-documented claims. The more consistently you document, the less exposure there is to audits, denials, and clawbacks — and the more predictably your practice runs.

For questions about a specific payout, claim, or billing issue, contact the Grow billing team through the Help Widget in your Provider Portal. For a full overview of how and when you get paid, see Payout & Earnings | FAQ.