Thriveworks Billing
How does the billing process work?
You will pay for services at Thriveworks on a per-session basis, whether you’re paying entirely out-of-pocket or using insurance. We will bill you after each session using the insurance and/or payment method you have provided.
Your insurance may cover a portion or even the majority of the cost of your care at Thriveworks. However, depending on your coverage, there may be remaining costs you are responsible for paying. This could include a copay, coinsurance, or an unmet deductible.
The section below offers details on how to determine your cost of care when factoring in your insurance policy.
How much will my insurance cover?
Insurance coverage plays an important part in the cost of receiving mental health services. We highly recommend that you reach out to your insurance provider to confirm the details of your coverage.
When you book online or over the phone, we’ll ask for your most current insurance information. Sometimes, mental health coverage is through a third party or employee assistance program separate from your medical insurance—you may be asked to provide additional information or a different ID number than what is displayed on your card. Read more about how insurance affects your cost of care, and how we factor your insurance coverage into the cost of care at Thriveworks.
Examine the details of your insurance plan or contact your insurance provider to understand your coverage. From there, gather your policy details to determine what costs your plan covers. Your insurance provider can help, and we recommend confirming coverage with them directly.
Book your first session on the phone or online: Using our online booking tool or by calling our scheduling team, browse for a provider that’s right for you and book your first session. Our online booking tool includes a place for you to enter insurance and payment information. If you call to schedule your first session, our booking team will help you save these preferences. Your payment information is kept secure and private.
After each session, we will charge a session fee: Working with your insurance company, we’ll determine how much you owe for your services at Thriveworks. Copayments are charged directly to your on-file card after each session (update your billing information by logging in to your account or by giving our support team a call). Any coinsurance or deductible amounts are charged to you after the insurance company processes the claims and the correct amount you owe is determined.
You’ll receive an explanation of benefits letter (EOB): Once your claim is processed, you’ll receive an Explanation of Benefits (EOB) from your insurance company, either virtually or with a physical copy. An EOB document outlines the services we provided, how much those services cost, the amount covered by insurance, and any remaining balance that you may be responsible for.
You can access your billing statement and payment options through your client dashboard: You’ll receive a notice that your billing statement is available, detailing any outstanding balances and instructions on how to make your payments via email. You can easily make payments through your client dashboard or by updating your billing information with our support team on the phone.
For those paying out of pocket:
- 1. Contact our billing team for help understanding your out-of-pocket payment options: Our team can discuss payment plans and options for those without insurance coverage. You can easily manage your payments through your client dashboard.
- 2. Payment after each session: Following each session, you’ll be billed for the session fee, with payment due at that time. This straightforward process ensures clarity and accountability in managing your payments.
- 3. Explanation of services rendered: You’ll receive a detailed invoice outlining the services provided during your session, ensuring transparency in the billing process.
- 4. Continued support: Our billing team is available to answer any questions or concerns you may have regarding your billing statements or payment options, providing ongoing support throughout your journey with us.
Navigating mental health care without insurance can be challenging, but at Thriveworks we’re dedicated to making the process as smooth and transparent as possible, ensuring you receive the support you need without added financial stress.
Insurance-related FAQs
What is coinsurance?
Under a coinsurance plan, after you meet your deductible, you and your insurer split the costs of covered medical expenses based on a percentage.
For example, if your coinsurance is 20%, you would pay 20% of the cost of a covered medical service, and your insurance would cover the remaining 80%. This arrangement continues until you reach your out-of-pocket maximum, after which the insurance company typically covers 100% of the costs for covered services.
What’s a copayment vs. a deductible?
A copayment is a fixed amount of money that you’ll pay out of pocket for a specific service—an amount determined by your insurance policy. In comparison, a deductible is the amount you must pay toward qualifying medical expenses before your insurance starts covering any portion of the cost of your care.
Helpful Insurance Tips for Thriveworks Clients
- – If there are changes to your insurance coverage, such as a new plan or policy updates, we encourage you to notify our billing team as soon as possible.
- – Keeping your insurance information up-to-date ensures smooth processing of claims and accurate billing.
- – Depending upon your policy, your insurance may not cover additional fees or charges you incur at Thriveworks, like no-show fees.
Note: Our billing team periodically reviews your insurance coverage and billing statements to ensure accuracy and address any discrepancies. We’re here to help you understand your insurance benefits and navigate any billing issues that may arise.
Billing & Insurance FAQs
Where can I pay my bill?
When is my bill due?
Payment is due immediately after your session.
Why am I being billed when I have insurance?
While insurance covers many services, there may still be out-of-pocket costs such as copays or deductibles that you’re responsible for. In addition, you may be charged late cancellation or other fees which are not covered by insurance.
What if I have an outstanding balance that I’m not able to pay in full?
We understand financial constraints and offer flexible payment options. Please reach out to our billing team at 855-208-4065 or email at resolvebill@thriveworks.com.
What forms of payment can I use to pay my bill?
Who can I contact if I have questions about my bill?
What is a self-pay rate?
A self-pay rate is the rate charged per session for a provider’s services if you do not have insurance to bill. Self-pay rates for clinicians vary—check your provider’s profile or visit our pricing page for more information.
If someone is booking an individual session for themselves but their partner or parent is the policyholder on their plan, how does that work?
When you’re booking an individual session at Thriveworks, you can use your insurance even if your partner or parent is the policyholder. Just provide the policyholder’s information, including their name, date of birth, and insurance details when scheduling your appointment. Make sure you’re listed as a dependent on the policy to ensure coverage for your session.
How does insurance work for couples and family sessions?
For couples and family sessions at Thriveworks, insurance coverage applies to the person whose insurance information is provided at the time of booking. The person booking the session should supply their insurance details.
If multiple family members have different insurance policies, check which policy offers the best coverage for these types of sessions before selecting a plan for our billing team to reference.
Always check your plan’s description to verify coverage details with your insurance provider and avoid unexpected expenses.
How can I find a provider who is in-network with my insurance?
Our team can help you find a provider who accepts your insurance plan and is in-network. You can also browse for a provider who fits your needs and check which insurances they accept on their provider profile.
When will I be charged?
You’ll be charged according to our billing cycle, which is typically after each session. You can ask our scheduling or billing team for more information about when to expect to be charged. Especially for your first session, billing may be delayed until we hear back from your insurance company about your coverage.
Thriveworks is committed to providing transparent and accessible billing services, whether you’re visiting us in person or accessing care online.
Should you have any questions or require assistance, please reach out at Please reach out to our billing team at 855-208-4065 or email at billing@thriveworks.com.
