> ## 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. # Why Instant Reimbursement may not be available > Learn why Instant Reimbursement depends on the client's plan, verified benefits, deductible status, and successful claim history. ## Overview Instant Reimbursement is available only when Thrizer has enough verified information and the client's plan supports the required claim and reimbursement flow. If it is unavailable, that does not automatically mean the client has no coverage or that a claim was denied. Check or Bank may still be available for OON Billing when that method is supported. Self-Pay remains available when no insurance claim will be submitted. ## What Instant Reimbursement requires Instant Reimbursement generally requires all of the following: * supported primary insurance on file * a usable benefit check * a met out-of-network deductible * at least one prior successful claim so Thrizer can calibrate the estimate * plan support for Instant Reimbursement and its reimbursement-routing needs * all applicable clinician and charge requirements A met deductible alone is not enough. ## Why a successful claim is required A successful claim gives Thrizer insurer-reported information about how that claim was handled, including its allowed amount and coinsurance behavior. Thrizer can use that information to calibrate later estimates. A successful prior claim does not guarantee that a future claim will be approved or reimbursed in the same way. ## Other reasons it may be unavailable Instant Reimbursement may be unavailable or paused when: * the benefit check is missing, failed, or incomplete * the deductible has not been met * the first successful claim has not been processed * the plan does not support the required reimbursement flow * insurance or plan information changed * claim outcomes or reimbursement behavior became unreliable * the charge is missing required insurance-billing information * a payer-specific or product limitation applies ## If the benefit check is incomplete A failed or incomplete benefit check is not a coverage denial. It means Thrizer does not have enough usable information to make the insurance-based option available. Correct any insurance information that does not match the insurer's records and request a recheck where supported. ## What the insurer still decides The insurer determines final coverage, claim approval, deductible application, reimbursement amount, and timing. Instant Reimbursement availability and benefit estimates do not guarantee any of those outcomes. ## Related articles Compare Check, Bank, and Instant Reimbursement. Understand what benefit information can and cannot confirm.