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Short answer

Thrizer works with out-of-network (OON) benefits, not in-network insurance. If your insurance plan includes out-of-network coverage for the type of care you are receiving, Thrizer can check estimated benefits, submit eligible OON claims, and route any reimbursement to you. If your plan does not include out-of-network benefits, you can still use Thrizer as a Self-Pay payment platform — no claim is submitted in that case. Benefit checks and cost estimates are not guarantees. Your insurance plan determines final coverage, claim approval, deductible application, reimbursement amount, and timing.

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How it works

  1. Your clinician shares a Thrizer link or invites you to a Thrizer account.
  2. You add your insurance information so Thrizer can run a benefit check.
  3. If a usable benefit check comes back, Thrizer shows estimated out-of-network benefits and your estimated session cost.
  4. After your clinician charges a session, Thrizer submits the out-of-network claim to your insurance (for OON Pay and Thrizer Pay).
  5. The insurance carrier processes the claim and determines the final outcome.

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When insurance can be used with Thrizer

You can typically use your insurance with Thrizer when all of the following apply:
  • Your plan includes out-of-network benefits for the type of care.
  • The provider type and service are within Thrizer’s supported scope.
  • A usable benefit check completes (either automatically or after manual verification).
  • Your insurance information links successfully to your account.
If a benefit check cannot be completed, Thrizer cannot estimate coverage or submit a claim through the insurance workflow. Self-Pay remains available in that case.

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When insurance may not work with Thrizer

  • In-network only plans, Medicare, Medicaid, and Tricare generally do not work with Thrizer because Thrizer is built around out-of-network benefits.
  • No out-of-network benefits on the plan means there is nothing for Thrizer to bill.
  • Secondary insurance is not currently supported as a billable insurance source.
  • A failed automated benefit check is not a coverage denial — manual verification may still confirm benefits.

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What is estimated vs final

  • Estimated: benefits returned from a benefit check, estimated session cost, estimated reimbursement.
  • Final: claim approval, allowed amount, deductible application, reimbursement amount, and processing time — all determined by your insurance carrier.

Who can use Thrizer?

See which clinicians and clients Thrizer currently supports.

What is a benefit check?

Learn how Thrizer estimates benefits and what happens when a check is incomplete.

Which payment types are available?

Compare Self-Pay, OON Pay, and Thrizer Pay based on insurance and deductible status.

Manual benefit checks

Understand when manual review may be needed if automated benefit checks are incomplete.