With insurance, Grow Therapy sessions average $21, according to Grow, and there is no subscription or membership fee: you pay only your plan’s share of each session. Without insurance, each provider sets their own self-pay rate, shown on their profile before you book, and Grow’s own pages put most sessions at roughly $70 to $200. The fee to watch: cancel within 24 hours or miss a session and your provider can charge up to $200, which insurance does not cover.
Grow Therapy is a network of licensed therapists and psychiatric prescribers who see clients by video or in person and bill insurance per session. What you pay comes down to your plan, your provider, and your state. We went through Grow’s help center, practice policies, and pricing pages to lay out the numbers, including where Grow’s own pages disagree.
Grow Therapy cost at a glance
How Grow Therapy pricing works
Grow bills per session, the way a traditional practice does, with no subscription and, Grow says, no hidden fees. Your cost depends on your insurance plan, your provider’s qualifications, your location, and the session length. Grow shows an estimate before you book, and says in-person and video sessions are typically the same rate.
The $21 figure is a national average. Grow’s state pages show their own: in October 2026, its Texas page listed an average of $29 a session.
How much does Grow Therapy cost with insurance?
Your plan sets the price, in one of three ways.
A copay is a flat amount per session, whatever billing codes your provider uses.
A deductible means you pay the full session cost until you have spent that amount for the year. Grow’s own example: with a $3,000 deductible and $100 sessions, it takes 30 sessions, about seven and a half months of weekly therapy, before insurance starts sharing the cost.
Coinsurance is a percentage you pay once the deductible is met. At 20%, a $100 session costs you $20. An out-of-pocket maximum caps your yearly spending, after which your plan pays in full.
Across these, Grow says insured clients typically pay $0 to $50 a session.
Which insurers does it take? Grow says its providers accept a wide variety of health insurance, and it names Aetna, Blue Cross Blue Shield, Cigna, and UnitedHealthcare among them. Its pages give plan counts that do not match, so we do not repeat one. Plans vary by state, so check yours in Grow’s search or Cost Estimate tool.
Check first. Grow suggests calling your insurer to confirm Grow is in network and what you will owe, since any estimate can change once your insurer processes the claim.
What a year looks like: weekly sessions at the $21 average come to about $1,090 a year. At $50 a session, about $2,600.
Does Grow Therapy take Medicare and Medicaid?
Medicare: mostly through Medicare Advantage. Grow’s provider help center says Grow works mainly through managed care plans rather than billing Medicare directly. It lists Medicare Advantage plans in 42 states and DC, but traditional Medicare (which it calls “state Medicare”) only in California, Florida, and Texas. Where traditional Medicare does cover your sessions, you pay 20% of the Medicare-approved amount after your Part B deductible, according to Medicare.gov.
Medicaid: in some states. Grow’s Medicaid page says you can use Medicaid through Grow as long as it is contracted in your state, that 99% of Medicaid claims for Grow sessions are fully covered, and that most clients with Medicaid pay little or nothing.
That page does not name the states. Grow’s provider help center lists Medicaid managed care plans in 11 states (California, Connecticut, Florida, Georgia, Hawaii, Indiana, Iowa, Minnesota, Ohio, Texas, and Virginia), with Florida enrollment for its providers on hold. Choose your state and exact plan in Grow’s search to confirm. Our guide to online therapy that takes Medicaid compares the main options.
VA: veterans with an active VA authorization can get fully covered care through Grow’s partnership with the Department of Veterans Affairs, Grow says.
How much does Grow Therapy cost without insurance?
Each provider has their own self-pay rate, listed on their profile before you book. Grow publishes no rate table, and its own pages disagree: its Grow vs Talkspace page says $70 to $175 a session, depending on the provider and location, while its complete guide to Grow says most sessions run $75 to $200. The guide also says sliding scale options are available, but Grow publishes no sliding-scale rates, so ask the provider.
At one session a week, $70 to $200 works out to about $280 to $800 for four sessions, or roughly $3,640 to $10,400 a year.
If your plan is out of network, Grow will not bill it. It charges the provider’s self-pay rate automatically, and you can ask for a superbill to send your insurer for possible reimbursement; choose “member reimbursement” on the claim so the money comes to you. Grow’s insurance FAQ adds that self-pay visits do not count toward an insurance deductible.
Grow Therapy psychiatry and medication management cost
Medication management is billed the same way as therapy, Grow says: your plan’s share with insurance, or the prescriber’s self-pay rate without it. Grow does not publish psychiatry prices. Its own roundup of online psychiatry services puts Grow at $75 to $250 or more per session without insurance, depending on the provider’s credentials and location.
Visits are with psychiatrists or psychiatric nurse practitioners, are shorter than therapy, and often happen about once a month. Grow offers no same-day appointments, a prescription is not guaranteed at the first visit, and EAP benefits cannot be used for medication management. Prescriptions go to your pharmacy, so medication costs are separate.
Does Grow Therapy charge cancellation or no-show fees?
Yes, if your provider sets one. Cancel less than 24 hours before a session, or fail to join within 15 minutes of the start time, and your provider can charge up to $200. The amount appears in the “Worry-free booking” section when you book. Insurance does not cover it.
Cancel through your client portal, since a text or personal email may not be logged. Fees may be waived for emergencies such as illness or severe weather, and if your provider does not show up, you are not charged.
To dispute a fee, message your provider within 30 days of the charge; if they decline, Grow’s support team can review it. Approved refunds take 5 to 10 business days.
Are there any other fees?
Grow’s pages list no booking or platform fee. The one extra is paperwork: letters and forms, such as disability paperwork, are not billable through Grow, so providers may charge a separate fee, except to clients with Medicaid or Kaiser NorCal coverage.
When and how Grow charges you
With insurance, Grow charges your card only once your insurer decides what you owe, typically 3 to 4 weeks after the session. That can be more than your usual copay if your deductible applies.
If you pay yourself, you are charged soon after your provider submits the invoice: within 24 to 48 hours on one Grow help page, 2 to 3 days on another.
You get notice. Grow emails you 36 hours before any charge. Insurance-based charges can be moved by up to 16 days; self-pay charges and cancellation fees cannot. There are no payment plans.
Do not pay through your insurer’s portal. Grow bills directly, and paying your insurer can lead to duplicate charges.
Can I use HSA, FSA, or EAP benefits?
HSA, FSA, and HRA: yes. Grow accepts all three and suggests adding the HSA or FSA card to your account. For an HSA or FSA claim, a billing statement from your client portal is usually enough.
EAP: Grow accepts EAPs from Amazon, Cigna, Evernorth, Teach for America, UAW/UMass, and UnitedHealthcare/Optum, which can cover authorized sessions at no cost to you. Enter your EAP authorization code when you book, because Grow generally cannot move a session already charged onto your EAP. EAP sessions cover talk therapy only, not medication management or nurse practitioner visits, and you still need a card on file for late fees.
How Grow Therapy cost compares
| Platform | With insurance | Without insurance | Late cancel or no-show fee |
|---|---|---|---|
| Grow Therapy | About $21 average (per Grow) | Set by each provider, about $70 to $200 | Up to $200, set by provider |
| Rula | About $15 average | $150 a session | $99 therapy, $150 psychiatry |
| Headway | $20 to $50 for most clients | Not open to new clients | Up to $200, set by provider |
| Alma | About $20 average | Set by each therapist | Set by each therapist |
| SonderMind | About $25 average copay | $85 to $154 for 60 minutes, by state | Up to the full self-pay rate |
With insurance, the five land close together, so your plan matters more than the platform. Without insurance, Headway does not take new clients, and Grow’s low end sits well below Rula’s flat $150. Our cost guides for Rula, Headway, Alma, and SonderMind have the details, and how much online therapy costs puts every major platform side by side.
Free and low-cost options
Community mental health centers often accept Medicaid and charge based on income. Search FindTreatment.gov, or call SAMHSA’s National Helpline at 1-800-662-4357, which is free, confidential, and open 24 hours a day.
Federally funded health centers often charge on a sliding scale based on income, and many offer mental health care. Search HRSA’s Find a Health Center.
Your employer’s EAP may cover several sessions at no cost.
Open Path Collective lists therapists who charge $40 to $70 a session after a one-time $65 membership fee.
Common questions
Is Grow Therapy free to use? Searching, booking, and the iPhone app are free; the sessions are not. You pay your plan’s share, or the provider’s self-pay rate.
Can I see a Grow provider who is out of network? Yes, at their self-pay rate, and you can ask for a superbill to claim reimbursement yourself.
Does insurance cover couples therapy on Grow? Often not, Grow notes, unless one partner has a diagnosis the therapy treats. Check with your plan first.
The bottom line
If your plan is in network, Grow Therapy costs your copay or coinsurance, about $21 a session on average by Grow’s figures, with no subscription. Without insurance, expect roughly $70 to $200 a session. Plan around three things: a deductible that can mean full-price sessions early in the year, charges that arrive weeks after a session, and a provider-set fee of up to $200 for late cancellations and no-shows.
We rate Grow Therapy 7.9 out of 10. Our Grow Therapy review covers how it works and who it suits.
Sources
- Grow Therapy: homepage and average cost with insurance
- Grow Therapy: how it works
- Grow Therapy: using insurance for therapy
- Grow Therapy: the cost of therapy
- Grow Therapy: the complete guide to Grow Therapy
- Grow Therapy: Grow Therapy vs Talkspace
- Grow Therapy: the best online psychiatry services
- Grow Therapy: therapists in Texas
- Grow Therapy: therapy through Medicaid
- Grow Therapy: Clinical Services and Practice Policies Agreement
- Grow Therapy Help Center: insurance coverage FAQ
- Grow Therapy Help Center: understanding high-deductible plans
- Grow Therapy Help Center: verify your benefits
- Grow Therapy Help Center: verification of benefits FAQ
- Grow Therapy Help Center: self-pay for out-of-network providers
- Grow Therapy Help Center: superbills
- Grow Therapy Help Center: understand dual coverage insurance
- Grow Therapy Help Center: authorized charging practices
- Grow Therapy Help Center: reschedule a charge
- Grow Therapy Help Center: no-show and late cancellation fees FAQ
- Grow Therapy Help Center: dispute a charge and request a refund
- Grow Therapy Help Center: using your EAP benefits
- Grow Therapy Help Center: submit paperwork requests
- Grow Therapy Help Center: get started with medication management
- Grow Therapy Help Center: what to expect from medication management
- Grow Therapy Help Center: understanding your VA authorization
- Grow Therapy provider help center: Medicaid and Medicare availability by state
- Grow Therapy provider help center: Medicaid FAQs by state
- App Store: Grow Therapy
- Medicare.gov: outpatient mental health care
- Rula: therapy cost, insurance, and self-pay rates
- Headway: frequently asked questions
- Headway Help Center: cancellations and rescheduling
- Alma: average insured cost
- Alma: how it works
- SonderMind: insurance coverage and average copay
- SonderMind: self-pay rates for therapy
- SonderMind Financial Responsibility Agreement
- SAMHSA National Helpline
- FindTreatment.gov (SAMHSA)
- HRSA: Find a Health Center
- Open Path Collective
One important note: if you are in crisis or considering harming yourself, please reach out now. In the US, call or text 988 for the Suicide & Crisis Lifeline. Immediate human support is available.