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At Grow, we started billing a few managed care payers for services in 2020.  Unfortunately, reimbursement rates negotiated by insurance companies, coupled with the amount of time necessary for billing, tracking unpaid claims, and providing additional documentation for insurance companies, significantly impacted the care we were able to provide. 

By not being in-network, we are able to give you personalized, high-quality care, without constraints negotiated by an insurance corporation who isn't interested in your needs or your therapist's well-being. 

Some people may choose not to bill insurance for their mental health care, but to pay out of pocket.  

Here’s a few reasons why:









Questions to Ask Your Insurance Company

If you have an insurance plan that includes out-of-network benefits, we can courtesy-bill for you, to save you the hassle of submitting claims.  Here are some questions to help you find out if your plan includes out-of-network benefits. ALWAYS ask for a confirmation number and the name and ID number of the person who gives you this information.  Read information they give you back to them, and ask if the call is recorded for future reference.  Keep a record of the date, time, and person you spoke with along with the answers you record. 

  • Do my benefits include out of network mental health services?

  • What is my deductible? 

  • Is it required that I get preauthorization before I start counseling out of network, if I want to be reimbursed? If yes, what is the process?

  • How much of my costs can I be reimbursed for after meeting my deductible?

  • Does my counselor need to provide a specific diagnosis for me to be reimbursed?

  • Is there a calendar year limit to the number of sessions I can have?

  • Does my primary care doctor need to write an order for counseling in order for it to be covered?

  • What credentials does a provider need to have for reimbursement?  (Examples: LPC, MFT, LCSW, Licensed Psychologist, independent licensure)

  • If I submit a superbill for reimbursement, how much will be returned to me?  Do I need to provide anything else along with the superbill?

  • Is there a time limit after I have a session to submit superbills for reimbursement?

  • How do I get reimbursed for out of network mental health services? How long will reimbursement take?

  • What’s the submission process for reimbursement?  What do I need to send?

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