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Grow Therapy Reimbursement Rates in 2025–2026: What Providers Need to Know

Introduction: The Evolving Reimbursement Landscape

Reimbursement in behavioral health has always been a complex subject — but with the rapid expansion of telehealth, the proliferation of digital care platforms, and changes in payer policies, mental health reimbursement has become a top concern for clinicians and practices. Among the platforms making waves in mental health delivery is Grow Therapy — a digital platform that connects licensed therapists with clients and partners with insurance companies to process claims. Understanding how reimbursement works with Grow Therapy — what rates therapists can expect and how these may vary — is essential for clinicians planning their business models in 2025 and 2026.

In this blog, we’ll break down the latest data and trends shaping Grow Therapy reimbursement rates by year, by service, and by geography. We’ll also examine how these compare to broader industry reimbursement benchmarks, Medicare rates, and traditional private practice arrangements.

What Is Grow Therapy and How Does Its Reimbursement System Work?

Grow Therapy operates as a technology-enabled platform, contracting with licensed clinicians as independent providers. The platform partners with a wide range of insurance carriers (including many commercial plans and Medicaid in select states) and submits claims for provider services on behalf of therapists. Grow manages insurance verification, claim submission, tracking, and payment distribution, simplifying many administrative burdens for clinicians.

Unlike some brick-and-mortar group practices, Grow Therapy does not publish a single public reimbursement rate chart. Instead, reimbursement rates are largely dependent on:

• Provider licensure and credentials
   
• CPT code billed (specific service rendered)
• Insurance carrier and plan type
• Region and state market conditions
• Contractual agreements Grow has with payers
   

Providers who participate with Grow can request rate sheets through the Grow Therapy Provider Portal to see specifics for their region and panels.

In general, Grow acts as a middleman between the insurer and the therapist, receiving reimbursement from the insurer and then paying out to the provider (after its administrative fee). Weekly payouts commonly occur once insurers have paid claims, often faster than many small private practices experience with direct contracting.

Typical Reimbursement Rates in 2025–2026

Because Grow Therapy negotiates and holds contracts with insurance companies on behalf of providers, actual reimbursement figures can vary widely — even for the same CPT code — based on regional market conditions and payer fee schedules. However, several aggregated sources, including provider reports and market data, show consistent ranges across 2025–2026:

Reimbursement by CPT Code (Provider-Reported Estimates)

Based on provider reports aggregated in multiple market analyses, the following reimbursement ranges provide a useful directional guide for therapy services under Grow Therapy:

These reimbursements represent what providers receive from Grow Therapy after insurance pays the claim, and they can vary based on the insurer’s own fee schedule and patient coverage.

State-by-State Variations: Benchmark Insights

Reimbursement rates also differ significantly across states and metro markets. In general:

Higher-Benchmark States

States with high costs of living and strong commercial payer fee schedules often show the highest reimbursement ranges, typically around $100–$140 per 60-minute session, including:

• California (metro areas)
• New York / New Jersey
• Massachusetts
• Washington / D.C. region
• Colorado / Virginia 
•  

Higher reimbursement in these areas is usually driven by stronger commercial insurer schedules and higher Medicare locality adjustments.

Mid-Range States

Large states with moderate living costs and balanced payer mixes see mid-range reimbursements:

• Texas
• Florida
• Illinois
• Minnesota
• Michigan
• Georgia
   

Providers in midpoint states can typically expect reimbursements closer to $80–$110 per session.

Lower-Benchmark States

Many rural and lower-cost states tend to pay the lowest rates, particularly for Medicaid and Medicare claims:

• Alabama
• Arkansas
• Mississippi
• Iowa / Kansas
• Rural Pennsylvania 
•  

In these areas, therapy rates can be as low as $60–$85 per session — still a viable practice income with sufficient volume, but generally not at the premium levels of large metropolitan areas.

This state variation reflects broader national trends in mental health reimbursement, which are influenced by insurer fee schedules, geography, and local market negotiation power.

Grow Therapy vs. Traditional In-House Insurance Contracting

One of the primary advantages Grow Therapy advertises is its ability to reduce administrative burden. Traditional contracting with multiple insurance companies often requires lengthy credentialing, repetitive paperwork, and slower payment timelines — sometimes 21 business days or more for claims processing. By contrast, Grow Therapy generally processes payouts in about seven business days after insurance pays, and submission support ensures providers don’t need to master complex billing technicalities.

That said, Grow Therapy retains a portion of the total payment as an administrative fee, and providers do not always receive full transparency on exact insurer-to-Grow reimbursement before payout. This is a key consideration for clinicians comparing Grow with private paneling services.

Comparing with Medicare & Industry Standards

To further contextualize Grow Therapy reimbursements, it helps to look at Medicare’s official reimbursement standards for mental health services — which are publicly published each year and are widely considered a benchmark in the healthcare industry:

Medicare Reimbursement Examples (2025–2026 Projections)

Medicare’s reimbursement is typically higher than many commercial fee schedules for therapy and is often used as a baseline for private payer negotiation. However, Grow Therapy’s rates, being derived from commercial insurer contracts, often land lower than Medicare maxima — especially in lower-cost markets.

What Affects Grow Therapy Reimbursement Rates?

Grow Therapy reimbursement isn’t arbitrary — it’s influenced by several measurable factors:

1. Insurance Carrier Contracts

The negotiated fee schedule that a carrier (e.g., Blue Cross, Aetna, Cigna, UnitedHealthcare) agrees upon with Grow directly affects how much is reimbursed. Higher fee schedules usually translate to better provider payouts.

2. Provider Credentials

Providers with higher credentials (e.g., PsyD, PhD, LMFT, LPC, LCSW) may receive different reimbursement rates within some networks — though Grow treats most credential levels similarly in their quoted ranges.

3. Geographical Costs

Higher-cost regions and states with strong commercial competition tend to pay more than rural or lower-cost states.

4. CPT Code and Session Length

Longer sessions and diagnostic intakes (with codes like 90791 and 90837) typically command higher reimbursements than shorter sessions or add-on codes. 

Pros and Cons for Providers

As with any reimbursement model, there are both benefits and drawbacks for clinicians using Grow Therapy.

Pros

• Simplified billing and claims handling. 
• Faster payouts than some traditional billing models. 
• Access to insurance panels that may otherwise require long credentialing. 
• Clinical focus with reduced admin workload.
   

Cons

• Lack of transparent rate publication — providers must request rate sheets.
• Payouts can be significantly lower in some markets than private practice independent contracting.
   
• Providers do not always control fee negotiations directly. 
•  

Provider Perspectives: Real-World Experiences

In practitioner communities, opinions vary. Some clinicians report being pleased with Grow Therapy’s administrative support and overall payouts; others note that reimbursement doesn’t always match expectations, particularly when local fee schedules are lower. Anecdotal reports suggest that reimbursement for common codes like 90837 can range widely  from as low as $70–$80 in some markets to over $100 in others (especially coastal metros).

These anecdotal insights underscore the importance of understanding actual insurer fee schedules in your market, not just generalized national data.

How to Maximize Your Reimbursement on Grow Therapy

Providers who want to optimize their Grow Therapy earnings should consider the following strategies:

1. Review and Request Your Rate Sheet: Use the Provider Portal to access your specific reimbursement agreements.
    
2. Monitor CPT Code Usage: Certain codes pay better than others — maximize codes that reflect session length and clinical complexity.
    
3. Increase Client Volume: More sessions can offset lower per-session reimbursement.
4.  
5. Negotiate Independently: Providers interested in private insurance panels may choose to credential independently alongside Grow.
6.  
7. Stay Updated on Regional Fee Schedules: Market conditions shift, and insurers may update schedules periodically.
   
    

Linoras Healthcare Solution: Supporting Practices with Medical Billing and Credentialing

Managing reimbursement and billing can be one of the most frustrating parts of running a healthcare practice — but it doesn’t have to be. Linoras Healthcare Solution is a trusted medical billing services company that helps clinicians navigate the complexity of insurance reimbursement and practice revenue cycle management. As a full service medical billing company, Linoras offers comprehensive support, including claims submission, denial management, and payer follow-ups.

In addition to billing, Linoras provides medical credentialing services, assisting clinicians and practices in obtaining and maintaining paneling with insurers. Whether you’re looking for a medical credentialing coordinator for an Atria physician practice or need support from a medical credentialing specialist, their team ensures your credentials are accurate and up to date — a critical step for maximizing reimbursements. Linoras Healthcare Solution also stands among reputable medical credentialing companies, helping practices streamline processes and reduce administrative burdens. From medical billing companies near me searches to nationwide credentialing support, Linoras brings expert medical management and billing solutions to healthcare providers of all sizes. Working with expert billing services medical teams like Linoras can dramatically reduce the stress and workload associated with insurance billing and claims follow-up, freeing providers to focus on patient care.

Conclusion

Understanding Grow Therapy reimbursement rates in 2025–2026 requires both a macro and micro perspective. While national data and provider reports offer helpful directional guidance (e.g., ranges from roughly $60 to $160+ depending on CPT code, state, and insurer), the actual reimbursement any one clinician receives will depend on their contracts, credentials, and location.

Grow’s model offers administrative ease, fast payouts, and panel access that many solo practitioners find valuable  especially when compared to handling multiple credentialing and billing streams independently. However, clinicians should also be aware of the proprietary nature of rate agreements and the need to closely monitor their reimbursement performance.

By staying informed, reviewing rate sheets, and possibly supplementing Grow Therapy participation with independent contracting or support from specialized medical billing and credentialing firms like Linoras Healthcare Solution, practitioners can position their practices for long-term financial health and sustainability in the evolving behavioral healthcare marketplace.