How can I use my insurance benefits to pay for sessions?

Insurance is confusing. So, let’s make it simple. I am an out-of-network provider.

Insurance plans offer in-network and out-of-network benefits. You may be familiar with in-network benefits already. That means a provider bills your insurance directly and receives payment from the insurance company.

Out-of-network benefits means you are billed directly for services rendered and your insurance plan offers you reimbursement for the out-of-pocket costs. There are two ways to do this.

Option 1: I partner with Thrizer, a service that eliminates the need for clients to pay full, upfront session fees. You are only responsible for your co-insurance payment at the time of service and Thrizer covers the rest (up to 70-80% of the session cost.) Thrizer Fee: 5% of your reimbursement

Option 2: I can provide you with a Superbill (a fancy way of saying receipt for session costs) at the end of each month and you can submit this receipt to your insurance company directly to receive reimbursement at no additional cost to you.

What is Thrizer?

Thrizer is a payment platform designed to make out-of-network (OON) therapy more affordable and accessible by eliminating the need for clients to pay full, upfront session fees and potentially wait months for reimbursement. It handles insurance claims, verifies benefits, and enables clients to pay only their co-insurance (after deductibles.)

It is free of cost and does not require you to make an account to check your out-of-network benefits at this link: https://eligibility.thrizer.com/rachel-coster

To submit claims through Thrizer:

1. I will send you a custom link to sign up for Thrizer

2. Thrizer checks your insurance benefits and you are only charged your co-insurance amount

3. Thrizer submits the OON claim and handles any insurance follow-up

COST: If you choose to submit claims through Thrizer, they charge a 5% fee per claim, which includes handling any paperwork required, dealing with denials, and calling insurance companies.

What data will be shared if I use my out-of-network benefits?

To take full advantage of out-of-network benefits, I am required to provide your legal name, date of birth, and insurance information. To file an out-of-network claim, I provide the date of service, diagnosis, and session length.

If you do not have out-of-network benefits or choose not to use them, you are not required to have a diagnosis to receive treatment and none of your data will be accessible by your insurance company. Your health information will remain between you and your provider.

How long do Hungry Heart clients usually stay in treatment?

Clients are usually in treatment with me between 6 months and a year. In addition to data protection, working with an out-of-network provider offers you the option to adjust session length and frequency based on your goals and lifestyle.

You are entitled to a Good Faith Estimate, which means following your initial evaluation, I will provide an estimate of how long you can expect to be in treatment and approximately how much your services will cost.