> ## Documentation Index > Fetch the complete documentation index at: https://docs.thrizer.com/llms.txt > Use this file to discover all available pages before exploring further. # Explain client estimates and reimbursement > Review a client's benefit estimate and claim result, explain deductible questions, and direct reimbursement questions to the right next step. ## Start with the estimate and the claim result A reimbursement estimate helps your client plan; it is not a promise of savings or a final claim decision. Insurance determines the allowed amount, deductible application, reimbursement, and processing time. Clinicians, staff, practice administrators, and team owners with the relevant client and viewing permissions can open **[Clinician Portal → Clients](https://clinician.thrizer.com/clients) → select the client → Insurance** to review available benefits. To discuss a processed session, open the client's **Claims** tab and view the claim details, including the result and any amount applied to the deductible. If your account cannot access a view, ask an authorized practice team member to check it. Your client can review their benefit information under **[Client Portal → Settings → Insurance plan](https://client.thrizer.com/settings/insurance)** and their claim under **[Client Portal → Claims](https://client.thrizer.com/claims) → select Claim #**. A benefit check and a processed claim describe different stages. The client obtains the insurer's Explanation of Benefits (EOB) from the insurer or its member portal. See [Check reimbursement and EOB access](/help/payments/reimbursement-methods#check) when the insurer sends payment directly to the member. ## Explain the amount without promising a result The estimate starts with the lower of your session fee and the insurer's allowed amount, then applies any remaining deductible and coinsurance. A client's coinsurance percentage alone is not their total session responsibility. See [Deductibles, coinsurance, and allowed amounts](/help/payments/deductibles-coinsurance-and-allowed-amounts#how-this-works) for the complete calculation and [Reimbursement basics](/help/payments/reimbursement-basics) for how estimates relate to actual claim outcomes. Current Thrizer fees are explained in the [Pricing overview](/help/payments/pricing-overview). An **Approved** claim can pay money, apply entirely to the deductible with no reimbursement, or both finish meeting the deductible and pay a partial reimbursement. Check the result rather than treating the status label as proof that money has been sent. ## If the estimate or deductible information looks wrong Compare the benefit information with the client's current insurer records and the result for the specific claim. A new benefit check can return different information, and the insurer can recognize a different allowed amount when it processes the claim. Your practice can use **Recheck benefits** from the client's **Insurance** tab. Your client can use **Recheck Benefits** on their **Insurance plan** page. If the result is incomplete or conflicts with the insurer's records, follow [Checking client benefits](/help/clinician/check-benefits) for manual verification or contact Support through your account. For the current deductible balance or an explanation of how a processed claim was applied, the client should contact the insurer. Plans can use separate in-network and out-of-network deductibles, and insurer records can lag behind recently processed claims. The session fee is not automatically the amount credited to the deductible. ## Where reimbursement goes Check the **Reimbursement Method** for the session before asking the client to add a bank account or wait for a deposit. * **Check:** The insurer sends any reimbursement directly to the member. The client checks the mailing address with the insurer. * **Bank:** Reimbursement routed through Thrizer goes to the client's linked reimbursement bank. * **Instant Reimbursement:** Insurance reimbursement goes to Thrizer because Thrizer advanced part of the session amount. The client should not expect that reimbursement as a bank deposit; their final responsibility can change after the insurer's decision. See [Reimbursement methods](/help/payments/reimbursement-methods) for the complete method, eligibility, and payer-specific explanation. Adding a bank in Thrizer does not redirect an insurer-issued check. ## If reimbursement has not arrived First identify whether insurance is still processing the claim, the claim paid no reimbursement, or a payment is already on its way. Approval and an available Explanation of Benefits do not prove that reimbursement or the Thrizer account update is complete. Use [Claims processing timeline](/help/claims/claims-processing-timeline) for insurer processing. For a Bank-method payment already on its way, use [Client reimbursement bank setup and missing deposits](/help/client/reimbursement-bank#if-your-client-is-waiting-for-a-deposit) for bank setup, deposit timing, and an earlier failed transfer. For a Check-method payment, the client follows up with the insurer about check delivery. You and your client can each contact Support through your own Thrizer account about a claim or reimbursement that needs review.