The answer might be "YES" if you have a PPO plan!
If you've ever struggled to pay for therapy sessions out-of-pocket, especially when using an out-of-network therapist, you're not alone. Insurance claims, high upfront costs, and long reimbursement processes can make seeking mental health care financially stressful. But there's good news: Thrizer, a new payment platform designed specifically for therapy, can help make your sessions more affordable and less stressful.
What Is Thrizer?
Thrizer is a payment system that simplifies how you pay for therapy, especially if you're seeing an out-of-network therapist. It allows you to pay only your portion of the therapy cost—such as a co-pay—without having to front the entire session fee and wait weeks or months for insurance reimbursement.
Does this mean no more Superbills? YES -- that's right!
If your insurance plan offers out-of-network benefits, Thrizer will handle the paperwork for you. After your therapy session, they submit the claim directly to your insurance company. While they wait for reimbursement, you only need to pay what you owe upfront, like a co-pay or coinsurance.
Is it really a discount? No -- because it is part of your insurance's policy. However, many folks aren't even aware of how their policy works or event the fact that they have this option at all. Thrizer just makes it easier to actually access your benefits.
How Thrizer Works
Using Thrizer is simple and effective. Here’s a breakdown of how it helps:
Set Up an Account: You can create a Thrizer account in minutes. After signing up, you'll add your insurance information and a payment method. Thrizer will confirm if you have out-of-network benefits, which are often available through many insurance plans.
Pay for Your Therapy Sessions: Instead of paying your therapist the full session fee, you’ll pay only what your insurance doesn’t cover. Thrizer handles the rest by processing the claim and waiting for reimbursement from your insurance. You can also track the status of your claims easily through your account.
Track Claims and Payments: Thrizer provides a dashboard where you can monitor all of your submitted claims. This means no more confusing paperwork or wondering when you’ll get reimbursed.
Why Use Thrizer?
Reduce Financial Burden: Thrizer makes therapy more affordable by ensuring that you only pay what you owe, rather than fronting the entire session cost. If your insurance covers part of your therapy, Thrizer handles the claim and waits for reimbursement, taking that financial weight off your shoulders.
Save Time: Dealing with insurance companies, submitting claims, and waiting for reimbursement can take time and add unnecessary stress to your life. Thrizer simplifies this process, letting you focus on your mental health instead of paperwork.
Transparency and Control: With Thrizer’s tracking system, you’ll know exactly where your money is going and how your insurance is handling your claims. This level of transparency is great for staying on top of your finances without any surprises.
Works with Most Insurances: Whether your insurance provider is a big name or a smaller company, Thrizer can work with most plans that offer out-of-network benefits. This flexibility means you don’t have to change your insurance just to get the mental health care you need.
Breaks the Status Quo of Mental Health Workers not getting paid a living wage: It seems to be common knowledge that feminized careers are not reimbursed at the same rate as traditionally masculine careers. Paying your therapist's full out-of-pocket fee helps to keep small private practices afloat as they compete with rising conglomerates such as Better Help and Talkspace. Rest easier knowing your therapist's business won't go under due to them having to accept low insurance reimbursements and sliding scale rates.
Is Thrizer Right for You?
Thrizer is especially helpful for anyone using out-of-network therapy. Out-of-network therapists often offer specialized services that might not be available in-network, but they also come with higher upfront costs. With Thrizer, you can access these therapists while minimizing the financial burden, making it easier to prioritize your mental health without breaking the bank.
Additionally, even if you're paying toward a deductible, Thrizer can still help by applying your payments directly to it. Once your deductible is met, you’ll only pay your co-pay or coinsurance, and Thrizer will take care of the rest.
Ready to Try Thrizer?
If the financial side of therapy has been holding you back from getting the care you need, T
hrizer can be a game-changer. It's a user-friendly platform that simplifies insurance claims, reduces upfront costs, and makes accessing therapy more affordable.
Interested in learning more? Sign up or explore more about Thrizer on their official website and take the first step toward easier, more affordable therapy today.
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