Out-of-Network Billing Tools for Therapists (2026): Thrizer vs Mentaya vs Reimbursify
Three tools that file out-of-network claims for private-pay clients compared on published fees, who pays, BAA status and best fit for solo and small mental health practices.
Key takeaways
- All three help private-pay practices get clients reimbursed out of network without joining insurance panels. Pricing models differ, so compare them at your real monthly claim volume.
- Thrizer has no subscription. From Nov 2, 2026 it charges card processing of 2.85% + $0.30 and $4 per OON claim ($15 for instant reimbursement), and it signs a BAA with every practice.
- Mentaya is free for therapists to file claims. A 5% fee per claim (e.g. $10 on a $200 session) is paid by the client or the provider, and its BAA takes effect when you create an account.
- Reimbursify has a free Basic plan ($3.99 per claim) plus flat per-practitioner plans: Plus $59/mo and Pro $99/mo ($89/mo billed annually). It publishes a BAA and lists psychiatrists among supported specialties.
- Reimbursement depends on each client's plan. Run a benefits check before the first visit and give clients a written estimate, not a promise.
- If you bill psychiatric evaluation and management visits rather than psychotherapy sessions, confirm the tool supports your visit types and codes before you rely on it.
 Thrizer | MMentaya | RReimbursify | |
|---|---|---|---|
| Pricing | No subscription; from Nov 2, 2026: card processing 2.85% + $0.30, OON claim $4 (check/bank) or $15 (instant reimbursement) (vendor help center) | Free for therapists to file OON claims; a 5% fee per claim (e.g. $10 on a $200 session) is paid by the client or the provider; optional Benefits Calculator $29/mo billed annually or $39/mo monthly; optional payments 2.9% + 30¢ cards, 0.8% ACH (vendor site) | Free Basic plan with a per-claim fee; Plus $59/mo per practitioner (10 courtesy claims and 4 coverage checks a month); Pro $99/mo per practitioner monthly or $89/mo billed annually (unlimited checks and courtesy claims, API/EHR integration); Basic claims cost $3.99 each; group pricing for more than 3 practitioners (vendor site) |
| What it does | Payments and out-of-network billing for private-pay therapists: checks benefits, files OON claims for clients and tracks reimbursement. | Out-of-network claim filing for private-pay therapists: checks a client's OON benefits, submits claims to insurance after each confirmed session and handles denials and resubmissions, so you keep your cash rate and clients get reimbursed. Optional payment processing and a benefits-calculator widget for your website. | Out-of-network claim filing for private-pay practices: clients file claims from a mobile app, or the practice files courtesy claims and runs benefits checks from a portal. Lists therapists and psychiatrists among supported specialties; API and EHR integration on Pro. |
| HIPAA BAA | Yes – signed BAA for every practice (vendor site) | Yes – BAA with Zaya Health Inc. takes effect automatically when your account is created (vendor site) | Yes – publishes a HIPAA Business Associate Agreement for covered-entity practitioners (vendor site) |
| Best fit | Private-pay therapists who want payments and OON claim filing in one place with no subscription; recheck fees after the Nov 2, 2026 pricing change. | Private-pay therapists who want claim filing done for clients with no subscription; decide up front whether you or the client pays the 5% claim fee. | Solo and small OON practices that prefer a flat monthly fee, or want to start free on Basic and let clients file from the app. |
Thrizer
Billing & Prior AuthsPayments and out-of-network billing for private-pay therapists: checks benefits, files OON claims for clients and tracks reimbursement.
Mentaya
Billing & Prior AuthsOut-of-network claim filing for private-pay therapists: checks a client's OON benefits, submits claims to insurance after each confirmed session and handles denials and resubmissions, so you keep your cash rate and clients get reimbursed. Optional payment processing and a benefits-calculator widget for your website.
Reimbursify
Billing & Prior AuthsOut-of-network claim filing for private-pay practices: clients file claims from a mobile app, or the practice files courtesy claims and runs benefits checks from a portal. Lists therapists and psychiatrists among supported specialties; API and EHR integration on Pro.
Disclaimer: This site covers administrative and operational workflows only. It is not clinical, legal, or compliance advice. Pricing and BAA status come from vendor sites or third-party reviews as of the date shown and can change – confirm directly with each vendor and your compliance advisor before using any tool with protected health information.