Guide
Leaving Rula, Headway, Grow Or Alma? What Happens To Your Insurance Contracts
On most platforms your insurance clients sit under the platform's contracts, not your own, which is why leaving can feel like starting over. Here's what each platform says about whose contract you're under, what stays with you, what happens to your clients, and how long your own contracts take.
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Whose Contract Are You Under Today?
Platform help pages answer this a little differently. We read them on October 20, 2026.
Headway
Headway credentials you under your individual NPI and bills insurance under its group NPI. It says its credentialing doesn’t affect your current insurance contracts or independent credentialing. Headway Group practice FAQs
Starting state by state in November 2026, Headway says it charges a $9.99 marketplace service fee on every appointment with a new client from its marketplace, for as long as you see that client. Clients you add or who book through your direct link don’t carry it. Headway marketplace service fee
Alma
Alma credentials members under its Tax ID, even if you hold insurance credentials. New members join its insurance program with at least one of Aetna, Cigna or Optum. Alma for providers
Grow Therapy
Grow says enrollment adds you to its group contracts and won’t transfer outside Grow if you leave. Grow Therapy help
Rula
Rula credentials you, then enrolls you with its partner insurance networks and maintains that enrollment. You keep your license, NPI, liability policy and CAQH profile current. Rula credentialing and enrollment
When You Leave
What Stays With You And What Doesn’t
Your license, individual NPI, liability policy and CAQH profile are yours and go wherever you go. Rula asks you to attest your CAQH profile every 120 days.
The platform’s payer enrollment usually doesn’t come with you. Grow says so directly, and Alma credentials you under its Tax ID. To see insurance clients in your own practice, you need contracts in your name or your business’s name.
Before You Leave
Can You Build Your Own Contracts While You Stay?
Usually, yes. Headway says its credentialing doesn’t affect your independent credentialing. Rula says you can work on other platforms or in private practice at the same time. Alma welcomes referrals from outside Alma. Many clinicians keep seeing platform clients while contracts are pending.
Opening your first practice? First Practice Launch includes business records, payer applications, EHR, scheduling and medical billing setup. If your business and EHR are ready and you need contracts in your own name, Individual Provider Credentialing fits instead. Compare the paths to your own insurance contracts.
Your Clients
What Happens To Your Clients?
Your clients choose where they continue care. You can build your own contracts while you’re still on a platform, and we time your launch so they can follow you if they want to.
Timing
How Long Your Own Contracts Take
Platforms can get you seeing clients fast because you join contracts they hold. Alma quotes 45 days or less. Rula says timelines vary by state and payer. Your own contracts go through each payer’s full review. Credentialing approvals typically take 60 to 120 days, and each payer sets its own timing. Start while you’re still on the platform.
Your Next Step
Which Path Fits You
- You’re opening your own practice. First Practice Launch sets up payers, EHR, scheduling and medical billing in order, $1,500 a month for four months or $6,000 paid in full. You can keep seeing platform clients while it runs.
- Your business and EHR are already set up. Individual Provider Credentialing gets you contracts in your name, a $500 setup fee plus $350 per payer, two payer minimum. Two payers is $1,200.
- Your practice has its own Tax ID, even a solo PLLC. Group Credentialing And Contracting gets the practice contracts in its own name, a $1,000 setup fee per provider plus $500 per payer, with a two payer minimum.
Leaving platform billing too? Ongoing Billing takes over claims as each contract goes live, at 7% of collections with a $300 monthly minimum for a solo provider.
For both paths side by side, read Headway Vs Alma Vs Private Practice.
Common Questions
Leaving A Platform FAQ
Do I Own My Insurance Contracts On Headway?
Headway bills under its group NPI, so the payer relationship runs through Headway. Your own contracts are separate, and Headway says its credentialing doesn’t affect them.
Does My Credentialing Transfer If I Leave Grow Therapy?
Grow says your enrollment won’t transfer outside Grow. Your license, NPI and CAQH profile stay yours.
Can I Take My Clients When I Leave Rula?
Your clients choose where they continue care. You can build your own insurance contracts while you’re still on a platform, and we time your launch so your existing clients can follow you if they want to.
Can I Be On Alma And Have My Own Insurance Contracts?
Alma credentials you under its Tax ID and welcomes outside referrals. Apply for your own contracts while you stay.
What Does It Cost To Get My Own Contracts?
If you’re opening the practice too, First Practice Launch is $1,500 a month for four months or $6,000 paid in full, with five payers included. If your business and EHR are set up, Individual Provider Credentialing is a $500 setup fee plus $350 per payer for one clinician, two payer minimum, so two payers is $1,200. You see your total before you pay.
See Which Package Fits
Opening a practice, adding a provider or fixing your billing? See the package that matches your situation and what it costs.