Out-of-network (OON) insurance refers to healthcare services that are received from healthcare providers or facilities that are not part of an insurance plan's network. In the context of health insurance, in-network (IN) is a list of healthcare providers and facilities that have agreed to provide services at pre-negotiated rates with the insurance company.

When you visit a healthcare provider or facility that is outside of your insurance plan's network, it is considered out-of-network. The insurance company may still cover a portion of the costs but you will likely be responsible for higher out-of-pocket expenses, such as co-pays, deductibles, and co-insurance.

It is important to check with your insurance provider to understand the terms and coverage associated with out-of-network services. Some insurance plans may have limited or no coverage for out-of-network care, while others may provide partial coverage. Being aware of your insurance plan's network and understanding the associated costs can help you make informed decisions about your healthcare needs.

What is

Thrizer is meant to alleviate the financial burden of out-of-network therapy and make the complex world of insurance super simple.

You may have out-of-network benefits, which means they might support the cost of our services.

I have partnered with Thrizer, a payment application that handles this process automatically for you so you can pay only what you truly owe for our sessions.

We will first check to confirm you have out-of-network benefits. If so, I will use Thrizer so that you are only charged your co-payment for the appointment.

How it works:

1. I will email you a link to set up your Thrizer account
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2. Set up your Thrizer account by adding your insurance information and connecting a payment method
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3. Review your out-of-network benefits and estimated co-pay to clarify any questions you have
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4. I will charge you via Thrizer for our appointments
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5. If you choose to pay in full and wait for reimbursement instead, you can track claims from your Thrizer account. Insurance reimbursements, when issued, are deposited directly to your bank account.

It is that easy!

Thrizer Fees

Thrizer charges the therapist transaction fees and card processing fees. Because of this, clients who use Thrizer are billed $160 instead of $150.

Clients have the option to float the estimated reimbursement cost for an additional 5% fee of the session cost.

For example, let's say you owe a $40 out-of-network co-pay for the $160 session fee. You have the option to float the rest of the cost so you only pay the co-pay. Thrive pays me in full and you do not have to wait 2 to 4 weeks for reimbursement.

The cost of the session would be as follows if you use the float option (this is an example):

$160 plus the 5% float fee: $168

Total fee owed: $48

($40 co-pay plus 5% float fee)

Click here to learn more about Thrizer's fees.

Click here to learn more about how reimbursements work.

Click here to learn more about how reimbursement fees are calculated.