Short answer
Thrizer does not charge monthly subscription fees, minimum usage fees, or long-term contract fees. Costs depend on how the session or claim is handled. Some fees apply to clients. Some fees apply to clinicians. In some workflows, both a client fee and a clinician processing fee may apply. Insurance reimbursement is separate from Thrizer pricing. Paying a Thrizer fee does not guarantee that insurance will approve a claim, reimburse a claim, or pay a specific amount.| Workflow | Client fee | Clinician fee | What happens with insurance |
|---|---|---|---|
| Self-Pay | No client Thrizer fee | 3% payment processing fee if payment is processed through Thrizer | No insurance claim is submitted through Thrizer |
| OON Pay | 1% of the session fee, applied only after the client’s deductible is met | 3% payment processing fee | Thrizer submits the claim and sends reimbursement to the client if insurance pays |
| Thrizer Pay | 5% of the session fee, charged upfront | 3% payment processing fee | Thrizer advances part of the session fee to the clinician and receives insurance reimbursement if insurance pays |
| Superbill Upload | $2 per session | No clinician fee for the upload itself | Client submits a superbill claim through Thrizer |
Client fees
Client fees depend on the workflow being used.OON Pay
With OON Pay, the client pays the full session fee upfront. Thrizer submits the out-of-network claim after the payment is successfully processed. If insurance reimburses the claim, the reimbursement is sent back to the client through Thrizer. The OON Pay fee is 1% of the clinician’s full session fee. This fee applies only after the client’s deductible is met. Before the deductible is met, no OON Pay fee is charged, even if the claim is processed. For example, if the session fee is 200. It is not based on the amount insurance reimburses.Thrizer Pay
With Thrizer Pay, the client pays an estimated responsibility upfront instead of paying the full session fee. Thrizer advances the remaining portion of the session fee to the clinician. Because Thrizer advanced that amount, insurance reimbursement for the claim is routed to Thrizer if insurance pays reimbursement. The Thrizer Pay fee is 5% of the clinician’s full session fee. This fee is charged at the time of service. If the claim is denied, the Thrizer Pay fee is refunded. If the claim is approved, the fee is retained. This includes claims that are approved but applied to the client’s deductible. Thrizer Pay is not available for every client or session. It depends on eligibility, deductible status, insurance information, prior claim history, and whether Thrizer Pay is supported for that situation.Superbill Upload
With Superbill Upload, the client submits a superbill claim through Thrizer. The fee is $2 per session. This fee is charged when the claim is submitted. It is refunded if the claim is denied. It is retained if the claim is approved, including when the claim is applied to the client’s deductible. A Superbill Upload fee does not guarantee that insurance will approve or reimburse the claim.Self-Pay
With Self-Pay, no insurance claim is submitted through Thrizer. There is no client Thrizer fee for Self-Pay. If the payment itself is processed through Thrizer, the clinician payment processing fee may still apply to the clinician.Clinician fees
Clinicians pay a 3% payment processing fee when client payments are processed through Thrizer. This fee is separate from any client fee. The clinician processing fee is tied to the payment transaction. It does not depend on whether insurance later approves the claim, denies the claim, reimburses the claim, or applies the claim to the client’s deductible.Why client and clinician fees are separate
Client fees and clinician fees pay for different parts of the workflow. Client fees are tied to the client-facing payment or claim workflow, such as OON Pay, Thrizer Pay, or Superbill Upload. Clinician fees are tied to payment processing when a payment is run through Thrizer. Because these are separate, more than one fee may apply to the same session.How claim outcomes affect fees
Insurance claim outcomes can affect some client fees.| If this happens | Fee result |
|---|---|
| OON Pay claim is processed before the client’s deductible is met | The 1% OON Pay fee is not charged |
| Thrizer Pay claim is denied | The 5% Thrizer Pay fee is refunded |
| Superbill Upload claim is denied | The $2 Superbill Upload fee is refunded |
| Claim is approved and applied to deductible | The claim is treated as approved for fee purposes |
Clinician-initiated refunds
If a clinician issues a refund for a Thrizer Pay transaction, the clinician’s payout for that transaction is reversed, and the client is refunded the amount originally charged. This is separate from claim-outcome handling. The Thrizer Pay protections that keep the clinician’s payout from being reduced by a claim denial, a lower reimbursement, or a $0 reimbursement do not apply to refunds the clinician chooses to issue.What Thrizer fees do not guarantee
Thrizer fees do not guarantee:- insurance coverage
- claim approval
- reimbursement amount
- reimbursement timing
- final out-of-pocket cost
- availability of every payment type
What affects payment type availability
Pricing does not determine whether a payment type is available. Payment type availability may depend on:- insurance information
- deductible status
- whether benefits can be verified
- whether prior claim information is available
- whether the workflow is supported for that client and session
Related articles
Which payment types are available?
Compare Self-Pay, OON Pay, and Thrizer Pay before choosing a workflow.
How OON Pay works
Learn how OON Pay handles upfront payment, claim submission, and reimbursement to the client.
How Thrizer Pay works
Understand how Thrizer Pay estimates client responsibility and routes reimbursement.
Self-Pay and superbills
Learn when Self-Pay applies and how superbills fit into client-submitted claims.
Deductibles, coinsurance, and allowed amounts
Review the insurance terms that affect reimbursement and out-of-pocket cost.