> ## 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. # How OON Pay works > See how Thrizer OON Pay works: clients pay the session fee upfront, Thrizer submits the out-of-network claim, and any reimbursement returns to the client. ## How this works OON Pay is for out-of-network care where the client pays the full session fee upfront and Thrizer submits the insurance claim. If insurance reimburses the claim, Thrizer sends the reimbursement back to the client. The client can use OON Pay before or after they have met their deductible. The client’s deductible status affects whether reimbursement is likely and whether Thrizer’s OON Pay fee applies, but insurance still decides reimbursement. Thrizer does not guarantee that a claim will be approved, reimbursed, or paid by a certain date. ## How OON Pay works With OON Pay: * the client pays the full session fee upfront * Thrizer submits the out-of-network claim after payment succeeds * insurance processes the claim * Thrizer sends any reimbursement back to the client * Thrizer’s OON Pay fee applies only after the client’s deductible is met * the clinician does not wait for insurance to process the claim before receiving payout through Thrizer OON Pay is different from Thrizer Pay. With OON Pay, the client pays the full fee upfront and receives any reimbursement. With Thrizer Pay, the client pays an estimated amount upfront, and Thrizer receives the reimbursement because Thrizer advanced part of the session fee. ## Why clients use OON Pay OON Pay is useful when a client wants Thrizer to handle the out-of-network claim but is still paying the clinician’s full session fee upfront. Without OON Pay, the client may need to pay the clinician directly, collect a superbill, submit the claim to insurance, and track the reimbursement process on their own. With OON Pay, Thrizer helps submit and track the claim after the payment is processed. ## How an OON Pay session works A typical OON Pay session works like this: 1. The clinician creates a charge for the session. 2. The client pays the full session fee. 3. Thrizer submits the out-of-network claim after the payment is successfully processed. 4. Insurance processes the claim. 5. If insurance reimburses the claim, Thrizer sends the reimbursement to the client. The client does not need to submit a separate claim for an OON Pay session. ## What the client pays With OON Pay, the client pays the clinician’s full session fee upfront. The client may later receive reimbursement if insurance reimburses the claim. The final reimbursement depends on the client’s plan, deductible, coinsurance, the amount insurance recognizes for the service, and the final claim result. ## Where reimbursement goes For OON Pay, any insurance reimbursement belongs to the client. That is because the client already paid the full session fee upfront. If insurance reimburses the claim, Thrizer sends the reimbursement to the client’s reimbursement account. ## When the OON Pay fee applies Thrizer’s OON Pay fee is 1% of the clinician’s full session fee. The fee applies only when Thrizer sends reimbursement to the client. If insurance pays \$0 on the claim, Thrizer does not charge an OON Pay fee. After the deductible is met and Thrizer sends reimbursement, Thrizer deducts the fee from that reimbursement. For example, if the session fee is \$200, the OON Pay fee is based on \$200. It is not based on the amount insurance reimburses. ### When the OON Pay fee is not charged Thrizer does not charge the 1% OON Pay fee when: * insurance reimburses \$0 on the claim * the insurer sends reimbursement directly to the client instead of sending it through Thrizer (for example, a paper check mailed to the client by the insurer) Reimbursement checks that an insurer mails directly to the client are free and do not trigger the 1% OON Pay fee. Some insurers handle out-of-network reimbursement this way. Thrizer cannot control how an insurer chooses to send reimbursement. ## What the clinician receives OON Pay lets the clinician collect payment without waiting for insurance. The clinician receives payout through Thrizer’s payout process. Standard payment processing fees may apply to clinician payment transactions. The clinician’s payout is not reduced later if insurance: * denies the claim * reimburses less than expected * reimburses \$0 * applies the claim to the client’s deductible ## What happens if the client has not met their deductible If the client has not met their deductible, insurance may approve the claim but pay \$0. That usually means the amount insurance recognizes for the session was applied toward the client’s deductible instead of being reimbursed. This does not always mean something went wrong. The claim may still help the client move closer to meeting their deductible. ## What happens after the deductible is met After the deductible is met, reimbursement usually depends on: * the amount insurance recognizes for the session * the client’s coinsurance * the final claim result * any other plan rules Insurance usually calculates reimbursement from the amount it recognizes for the service, not necessarily the clinician’s full session fee. If the clinician’s fee is higher than the amount insurance recognizes, the difference may remain the client’s responsibility. ## Why reimbursement can differ from the estimate Any reimbursement amount shown before insurance finishes processing the claim is an estimate. The final result can change because insurance decides: * whether the claim is approved or denied * what amount it recognizes for the service * whether the claim is reimbursed or applied to deductible * how much reimbursement is paid * when the claim is processed An approved claim can still result in \$0 reimbursement if insurance applies the amount to the client's deductible. ## Important limits OON Pay is not a guarantee that insurance will reimburse the claim. Thrizer does not guarantee: * claim approval * reimbursement amount * reimbursement timing * final out-of-pocket cost OON Pay also depends on complete claim information. A claim generally needs provider information, service information, diagnosis code, CPT code, and billed amount. A single charge generally creates a single claim. Multiple services may need to be handled as separate charges or claims. ## How to explain OON Pay simply A simple explanation is: > OON Pay lets the client pay the full session fee upfront while Thrizer submits the out-of-network claim. If insurance reimburses the claim, Thrizer sends the reimbursement back to the client. The final reimbursement still depends on the insurance company's claim decision. ## Related articles Compare OON Pay, Thrizer Pay, and Self-Pay before choosing a payment option. Learn how Thrizer Pay differs from OON Pay when the client does not pay the full session fee upfront. Understand the insurance terms that affect whether an OON Pay claim results in reimbursement. Learn why final reimbursement may differ from the amount shown before insurance processes the claim. See what happens after a claim is submitted and why insurer processing time can vary. How Thrizer protects clinician payouts from insurance outcomes and when a clinician-initiated refund can reverse a payout.