> ## 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.
# Manage out-of-network billing fees
> Set your default OON billing rates, customize or waive them for individual clients, and review the fee before charging.
Your practice chooses what clients pay for out-of-network (OON) billing. In **Services**, you can set a default rate for each clinician or a different rate for an individual client. The client's saved rate takes priority over that clinician's default.
These client rates apply to OON Billing charges submitted from **November 2, 2026**. Changing them does not change the fees your practice pays Thrizer. See [Pricing overview](https://docs.thrizer.com/help/payments/pricing-overview.md) for Thrizer's fees and payout examples.
Before changing a client’s rate, let them know the new amount and when it takes effect. See [sample client messages](https://docs.thrizer.com/help/getting-started/how-to-explain-thrizer-to-clients.md).
## Choose which rate to change
There are two separate OON billing Services:
| Service | When it applies | Default client rate |
| - | - | - |
| **OON Billing – Check or Bank** | OON Billing with check or bank reimbursement | \$4.00 |
| **OON Billing – Instant** | OON Billing with Instant Reimbursement | \$15.00 |
You can keep the default or choose any rate of \$0 or more. Setting \$0 waives that service charge for the client. Each rate is separate: changing the Check or Bank rate does not change the Instant rate.
These are non-billable service charges. They are added to the client's payment and are not billed to insurance as part of the therapy Service.
## Set your catalog rates
Use the catalog to set a clinician's default prices. To change the rate for just one client, use the next section instead.
1. Open [**Clinician Portal → Settings**](https://clinician.thrizer.com/settings) and select **Services**.
2. Find **OON Billing – Check or Bank** or **OON Billing – Instant**.
3. Open the row menu and choose **Edit**.
4. Enter the amount in **Rate (\$)**, then select **Save Changes**.
Only the rate can be edited. The Service name is fixed, and these two Services cannot be deleted.
Changing a catalog rate affects clients who use that default. Clients with a customized rate keep their saved rate.
## Customize or waive a fee for one client
The client must have an accepted connection with the clinician, and your account must have permission to manage the client's Services. If you see **View** instead of **Manage**, the Services are read-only.
1. Open [**Clinician Portal → Clients**](https://clinician.thrizer.com/clients) and select the client.
2. On **Overview**, find **Services** and select **Manage**.
3. Find the relevant OON billing Service, open its row menu, and select **Customize terms**.
4. Enter **Rate (\$)**. The catalog rate appears underneath for reference.
5. Select **Save Changes**.
To waive only the client's OON billing fee, set its rate to **\$0**. The session charge remains. Set both OON rates to \$0 if you want to waive the fee whether the client uses Check, Bank, or Instant. Your practice's applicable Thrizer fees still apply.
A rate that differs from the catalog is marked **Customized**. To use the catalog rate again, choose **Reset to catalog terms** from the row menu.
These Services cannot be hidden or made the client's **Primary** Service. The saved rate applies only when this clinician charges this client. If the client moves to another clinician, review the new clinician's rates before the next charge; the old clinician's customized terms do not carry over.
## Review the fee when adding a charge
From November 2, 2026, under standard pricing, the matching OON billing Service is added automatically when you create an **OON Billing** charge. If your practice has different agreed pricing, the fee line may be absent. Review the charge confirmation and contact Support through your Thrizer account if you need to confirm your pricing.
1. Open [**Clinician Portal → Clients**](https://clinician.thrizer.com/clients), select the client, and choose **Add Charge**. If you bill for a teammate, check the selected clinician.
2. Select the session **Service**. The two OON billing Services are not options in this list.
3. Choose **OON Billing** and review the **Reimbursement Method**.
4. Check the matching fee and rate in the confirmation. The client's customized rate applies when one exists for the selected clinician; otherwise that clinician's catalog rate applies.
5. Review **Client Charged** and **Net Proceeds** before confirming.
The fee cannot be edited or removed inside the charge. The note reads, “Set in this client's services or your catalog.” If the amount needs to change, update the client's terms or the catalog before charging. A \$0 rate still appears as **\$0.00**.
Switching between Check or Bank and Instant changes the fee to the matching Service and rate. Self-Pay charges, including no-shows, miscellaneous charges, and non-billable Services, do not include an OON billing fee.
Instant Reimbursement requires an available insurance estimate and the other [eligibility requirements](https://docs.thrizer.com/help/faq/why-instant-reimbursement-may-not-be-available.md). If Instant is unavailable, review the available Check or Bank option and its fee before confirming.
### Understand the confirmation
* **Client charge breakdown** shows the session, the applicable OON billing Service, and **Client Charged**: the total the client pays. For Instant, the insurance estimate also affects that total.
* **Clinician breakdown** shows the applicable fees your practice pays Thrizer and **Net Proceeds**: the amount remaining for your practice after those fees.
Your client-facing rate and Thrizer's fee are separate amounts. Waiving or lowering the client's OON service rate changes the client's payment and your payout; it does not waive or lower Thrizer's fee.
## Manage fees for a team
Practice administrators and team owners can open [**Clinician Portal → My Team**](https://clinician.thrizer.com/team), open the teammate's row actions, select **View Profile**, and open the **Services** tab to edit either rate. Check whose catalog you are editing; the note refers to that teammate's clients.
Staff with permission to manage a client's Services can customize that client's rate. They cannot edit a teammate's catalog.
When charging for another clinician, review that clinician's catalog rate. A customized client rate applies only if it was saved for that clinician and client.
## Related articles
* [What are Services in Thrizer?](https://docs.thrizer.com/help/services/understanding-services.md)
* [Customize Services and sliding-scale rates for a client](https://docs.thrizer.com/help/services/customize-services-for-a-client.md)
* [Pricing overview](https://docs.thrizer.com/help/payments/pricing-overview.md)
* [Charge clients](https://docs.thrizer.com/help/clinician/charge-clients.md)
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