A superbill is a detailed invoice that a client can submit to their insurance for reimbursement if you are out of network.
What is a superbill?
A superbill is a document used by insurance companies to detail the services a healthcare provider performs for a client. Essentially, it serves as a receipt for a client's visit. However, unlike traditional receipts, superbills contain vital information, such as diagnosis and procedure codes, required by insurance companies to reimburse the client for the services after payment has been made. They differ from standard medical bills in that insurers use them to reimburse patients rather than pay providers directly.
Why is a superbill needed?
Superbills are needed for out-of-network billing. Superbills detail services received from a provider who is not within a client's insurance network. The provider may belong to a different network.
When is a superbill provided?
A superbill is typically provided to a client after they've paid for their care out-of-pocket (cash pay).
How is a superbill used?
To get a superbill reimbursed, you or your client has to file an out-of-network claim with the relevant insurer. The insurer will review the superbill and reimburse all, a portion, or none of the services outlined in the claim, depending on their assessment.
What is Assignment of Benefits (AOB), and why does it matter for superbills?
Assignment of Benefits (AOB) is a section clients will see on their insurance claim form when submitting a superbill for out-of-network reimbursement. It asks whether the client wants to assign their insurance benefits — which means the reimbursement payment — to the provider, or keep it for themselves.
Clients who have already paid out of pocket should always select "No" or choose "member reimbursement." Selecting "Yes" or assigning benefits to the provider instructs the insurance company to send payment directly to Grow Therapy instead of to the client, which means the client will not be reimbursed for what they already paid.
🚨 Note: Misdirected payments caused by an incorrect AOB selection are one of the most common superbill-related issues. If your client is unsure how to answer this field, remind them that, since they've already paid for their session, the reimbursement should be returned to them.
Important: If Grow Therapy is in-network with your client's insurance plan, their insurance will pay Grow directly — regardless of AOB selection. In that case, a superbill for out-of-network reimbursement would not apply.
Does Grow generate superbills for me?
No. Grow does not offer a superbill template or generate superbills on your behalf at this time. Various templates are widely available, including directly from some insurance companies. Please consider your particular situation when selecting or creating a superbill format. The superbill should include the information outlined in the next section.
Can clients generate billing statements?
Yes. Clients can generate billing statements for their Grow visits directly in their client portal. Click here to learn more.
What information is included in a superbill?
A superbill is typically one page. All provider information on a superbill should be your own—not Grow Therapy's name, NPI, Tax ID, or branding.
Your name and credentials — as the rendering clinician
Your practice name and address — your own business address. If you practice fully remotely and don't have a separate business address, consider using a PO Box.
Your phone number
Date of service — find this in your provider portal under Appointments, then open the individual appointment.
Place of service code — use POS 10 if your client was at home during a telehealth session, POS 02 if telehealth and the client was not at home, or POS 11 for in-person sessions at your office or clinic.
Your Tax ID (EIN or SSN) — your own, not Grow's.
Your NPI number — your individual NPI, found in your provider portal under Profile.
Your state license number.
CPT code — find this in your provider portal by opening the individual appointment and locating the "Session Type" field (e.g., 90837: Psychotherapy, 60 min.).
Diagnosis / ICD-10 code — find this in your provider portal by opening the individual appointment and locating the "Diagnostic Code(s)" field (e.g., F41.1).
Charge for service and amount paid — use your cash rate, which is the amount your client paid out of pocket. Note: your portal shows your payout after processing, which will differ from your cash rate.
Balance due.
Your signature.
Who can submit superbills?
A client, a provider, or a third-party service can submit superbills to insurers.