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?
After each therapy or medication management session, we submit the claim for that session to your insurance company. Copayments associated with each visit are charged to your credit card on file within 24 hours of each session.
In addition, after your insurance company processes each claim, we charge your credit card on file for deductibles and co-insurance when applicable, as determined by your carrier. If you need to update your insurance information, you may do so by logging into the Thriveworks portal or calling us.
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?
Clients can access their client dashboard at any time by going directly to thriveworks.com/login and entering their email address.
When is my bill due?
Copayments will be charged to your credit card on file shortly after each visit. For patient responsibilities based on deductible or co-insurance, following your insurance provider’s claims process, you will receive a billing statement email prior to billing your card.
If you need to update your credit card on file, please log in to your account.
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?
We accept credit and debit card payments. We are not able to accept cash payments.
Who can I contact if I have questions about my bill?
Our dedicated billing team is here to assist you. You can reach them at 855-208-4065.
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.
Does Thriveworks charge a cancellation fee?
If you need to cancel or reschedule your appointment, we kindly ask that you provide at least 48 hours’ notice whenever possible. This allows us to offer the appointment time to other clients who may need support.
We understand that unexpected situations can arise, making it difficult to provide advance notice. However, to protect our clinicians’ time and income, a $135 fee will be charged for cancellations made with less than 48 hours’ notice or for missed appointments. This fee helps offset the income your clinician would have earned from insurance reimbursement or self-pay charges.
Please note that in most cases, late cancellation or no-show fees are not covered by insurance. We truly appreciate your understanding and cooperation as we work together to ensure all our clients receive the care they need.
