How Thrizer compares with other OON billing tools

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Short answer

Thrizer is a strong fit for clinicians who want payment processing and out-of-network billing support in one workflow. With Thrizer, clinicians can charge clients for sessions, check estimated out-of-network benefits, support automatic claim submission when applicable, and offer eligible clients payment options such as OON Pay or Thrizer Pay. Other out-of-network billing tools may be a better fit if you want to keep payments entirely outside Thrizer and only help clients submit claims or check benefits. The best choice depends on what you want to solve:

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Why clinicians compare these tools

Private-pay clinicians often want to make out-of-network benefits easier for clients without joining insurance panels. Most comparison questions come down to five practical issues:

1. What does the client pay upfront?
2. Who submits the claim?
3. Who waits for reimbursement?
4. Who handles insurance follow-up?
5. What does the clinician need to change in their billing workflow?

Thrizer is different because it combines payment processing with out-of-network billing support. Some alternatives focus more narrowly on benefit checks, claim submission, or client superbill filing.

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Comparison at a glance

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Why use Thrizer?

Thrizer is built for private-pay clinicians who want to make out-of-network benefits easier without turning insurance into a separate manual process.

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1. Thrizer combines payment and claim workflow

With Thrizer, clinicians can charge clients through the platform. For OON Pay and Thrizer Pay, eligible claims are submitted automatically after the session charge is successfully processed. The client does not need to upload a superbill for every session in those workflows. This is different from workflows where payment happens in one system and claim submission happens somewhere else.

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2. Eligible clients may avoid paying the full session fee upfront

With many out-of-network workflows, the client pays the clinician’s full session fee upfront and waits for insurance reimbursement. Thrizer Pay is different. When a client is eligible, the client pays an estimated responsibility upfront, Thrizer advances the remaining session fee to the clinician, and insurance reimbursement is routed to Thrizer. This can make care feel more accessible for clients who have out-of-network benefits but cannot easily front the full session cost.

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3. Clinicians still receive their session fee

For sessions charged through Thrizer, clinician payout timing is separate from insurance reimbursement timing. That means the clinician is not waiting for the insurance carrier to process the claim before receiving the session payment through Thrizer’s payout workflow.

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4. Thrizer supports different client situations

Thrizer supports multiple payment and claim workflows:

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5. Thrizer includes benefits-checking tools

Thrizer includes benefits-checking tools clinicians can use with current or prospective clients. The public Widget lets prospective clients check estimated out-of-network benefits based on the clinician’s configured services and rates. The Widget can help reduce back-and-forth about cost before a first appointment.

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When Mentaya may be a good fit

Mentaya may be a good fit if you want a claims-focused service for private-pay therapy and prefer to keep your current payment workflow. Mentaya’s public materials describe:

• out-of-network claim submission support
• a client fee based on a percentage of the session cost
• an optional benefits calculator
• optional payment processing
• support for denied claims and resubmissions

Mentaya may be worth considering if:

• you do not want to switch your payment workflow
• your clients are comfortable paying the full session fee upfront
• your primary need is claim submission and reimbursement support
• you want an out-of-network workflow designed specifically around therapy

The main tradeoff is that Mentaya’s core model is still reimbursement-based. Clients generally pay the full session cost first and wait for insurance reimbursement.

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When Reimbursify may be a good fit

Reimbursify may be a good fit if you want an app-based claim submission tool or if your clients prefer to submit claims themselves. Reimbursify’s public materials describe:

• client claim filing through an app
• claim tracking
• support for rejected claims
• practice plans for clinicians who want more claim-filing and benefit-verification features
• support across a broader range of outpatient provider types

Reimbursify may be worth considering if:

• your clients want a standalone app for claim filing
• you want clients to handle claim submission themselves
• you want a broader outpatient claim-filing tool, not just a therapy-focused workflow
• you are comfortable with clients paying upfront and waiting for reimbursement
• your practice prefers a subscription plan for claim and benefit-verification features

The main tradeoff is that Reimbursify is more claim-submission-centered than payment-workflow-centered. It may not solve upfront affordability in the same way as Thrizer Pay.

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Where Thrizer may not be the best fit

Thrizer is not the best fit for every workflow. Thrizer may not be the right choice if:

• you do not want to process client payments through Thrizer
• you want clients to pay for sessions by direct ACH or bank transfer
• you need secondary insurance or coordination of benefits
• you want to submit claims without a successful session charge in OON Pay or Thrizer Pay
• you need to combine unrelated CPT codes into one claim
• you want Thrizer Pay for a client who has not met the eligibility requirements
• your client only wants a standalone claim-filing app and does not want a payment platform involved

In those cases, a client-submitted superbill workflow or another claims-focused tool may be more appropriate.

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How to choose

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Choose Thrizer if…

Thrizer is likely the best fit if you want:

• one system for client payment and out-of-network billing support
• automatic claim submission after successful OON Pay or Thrizer Pay charges
• a lower upfront payment option for eligible clients
• a benefits-checking Widget for prospective clients
• clients to avoid uploading superbills every session in recurring billing workflows
• clinician payment timing that is separate from insurer reimbursement timing

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Consider Mentaya if…

Mentaya may be a fit if you want:

• claim support while keeping your existing payment processor
• a therapy-focused reimbursement workflow
• a percentage-based client claim fee
• optional payment processing
• optional benefits calculator functionality

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Consider Reimbursify if…

Reimbursify may be a fit if you want:

• client app-based claim filing
• claim tracking outside your payment workflow
• support across a broader range of outpatient provider types
• practice subscription options for benefit verification and courtesy claim submission
• a workflow where clients can self-submit superbills

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Questions to ask before choosing a tool

Before choosing Thrizer or another out-of-network billing tool, ask:

1. Do I want to process payments through this platform?
2. Do I want the claim submitted automatically after a charge?
3. Do I want clients to upload superbills themselves?
4. Are my clients comfortable paying the full fee upfront?
5. Do I need a benefits checker for prospective clients?
6. Do I want to avoid a monthly subscription?
7. Who handles denials, resubmissions, and insurer follow-up?
8. Who receives reimbursement from the insurer?
9. What happens if the claim is denied?
10. What does the client pay before and after their deductible is met?

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What to avoid saying to clients

Avoid saying:

• “Thrizer guarantees reimbursement.”
• “Thrizer guarantees your insurance will cover this.”
• “You will only pay a copay.”
• “You will definitely save money.”
• “Your claim will be approved.”
• “The benefit check is final.”
• “Thrizer works like an in-network insurance plan.”
• “All out-of-network billing tools do the same thing.”

Instead, use safer language:

Thrizer helps our practice process payments and can support eligible out-of-network claim workflows. Benefit checks and cost estimates are estimates only. Your insurance plan determines final coverage, reimbursement, deductible application, and claim outcomes.

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Frequently asked questions

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Is Thrizer an insurance panel?

No. Thrizer is not an insurance panel and does not make a clinician in-network with a client’s insurance plan. Thrizer supports private-pay and out-of-network billing workflows.

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Does Thrizer replace my EHR?

No. Thrizer is focused on payments, benefits checking, out-of-network claim workflows, and related client billing support. It does not replace your clinical documentation system.

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Do clients need to upload a superbill after every session?

Not for OON Pay or Thrizer Pay. For those workflows, the clinician creates a charge in Thrizer, and the eligible claim is submitted automatically after the charge is successfully processed. Superbill Upload is a separate client-driven workflow.

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Can clients use Thrizer if I do not charge through Thrizer?

Yes, clients may use Thrizer’s Superbill Upload workflow if they have a valid superbill. In that workflow, payment may happen outside Thrizer, and the client uploads the superbill through their own Thrizer account. OON Pay and Thrizer Pay require the charge to be processed through Thrizer.

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Does Thrizer Pay apply to every client?

No. Thrizer Pay is only available when eligibility requirements are met. If Thrizer Pay is not available, other workflows such as OON Pay, Self-Pay, or Superbill Upload may still be available depending on the client and workflow.

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Does using Thrizer guarantee reimbursement?

No. Insurance carriers determine claim approval, reimbursement amount, deductible application, allowed amount, and processing time. Thrizer can support payment and claim workflows, but it does not control insurer decisions.

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