Out-of-Network Insurance Benefits for Therapy with Catalyst

Out-of-Network Benefits Verification (2–3 minutes)


Catalyst Behavioral Interventions is an out-of-network provider. If your plan includes out-of-network mental health benefits, you may be able to receive partial reimbursement for sessions. Use the secure form below (powered by Thrizer) to estimate your reimbursement and understand your expected out-of-pocket cost.

Prefer self-pay? Self-pay is available. A sliding scale is available based on need. Let’s discuss options during your free consultation.

This verification tool is provided by Thrizer. Submitting this form does not create a therapist-client relationship. Benefit results are estimates and are not a guarantee of coverage or reimbursement—final determination is made by your insurance plan. If you have questions or prefer not to submit information online, contact us and we’ll help you review options.

Frequently Asked Questions

  • Catalyst Behavioral Interventions is an out-of-network provider. Many insurance plans include out-of-network mental health benefits, which may reimburse a portion of your session cost.

  • Thrizer is a secure platform that helps therapy clients check out-of-network benefits and streamline claims and reimbursements. It’s designed to reduce the hassle of insurance paperwork and help you understand your estimated costs up front.

  • Once your insurance information is entered, Thrizer can run an automatic out-of-network benefit check. You and your provider receive a breakdown that typically includes deductible info, co-insurance, and an estimated out-of-pocket cost.

  • If the check is run on your behalf, Thrizer typically needs:

    • Insurance carrier

    • Member ID

    • Date of birth

  • If your plan has an out-of-network deductible, you may pay your provider’s full fee until the deductible is met. Thrizer explains that sessions can be applied toward the deductible, and once the deductible is met, your estimated share may decrease based on your plan’s co-insurance.

  • The allowed amount (or allowed rate) is the maximum amount your insurance will consider for reimbursement for a specific service. It’s often different from your provider’s full fee and can affect your final reimbursement.

  • No. Thrizer notes that reimbursement rates can vary by plan, and clients typically learn the exact reimbursement after the first claim is processed. Benefit checks are best viewed as estimates, not guarantees.

  • For out-of-network therapy, Thrizer uses “copay” to mean your estimated share of the session cost (it’s not the fixed in-network copay shown on your insurance card). Thrizer calculates it based on the provider fee, expected reimbursement, and any Thrizer fee (when applicable).

  • Thrizer describes two common options:

    • Thrizer Pay: a 5% fee of the provider’s rate is added to your estimated share when you pay only your portion at the time of the appointment.

    • Pay-in-full then get reimbursed: a 1% transfer fee may apply at reimbursement time.

  • Thrizer states they have a no backcharges policy: if a claim is denied or reimbursement is lower than expected, they won’t back-charge clients for prior sessions; they’ll update expectations going forward.

  • Thrizer states their platform is HIPAA compliant and uses SSL encryption and security practices designed to protect privacy and confidentiality.

  • Thrizer support can help run a benefit check if needed. Their help center notes you can contact support and provide your insurance information (often including a photo of the insurance card and DOB) for assistance.

  • If your plan does not include out-of-network benefits, you can still pursue therapy as self-pay. Thrizer’s model is specifically designed around out-of-network benefit verification and reimbursement.