Does Dr. Hurand Accept Insurance? Therapy Costs
Does Dr. Hurand Accept Insurance?
The short answer: I'm not contracted with any insurance companies, which makes me an out-of-network provider. But that doesn't mean your insurance won't cover a significant portion of your sessions.
Most clients with PPO plans are reimbursed 50–80% of my session fee through their out-of-network benefits. Whether your plan covers out-of-network therapy depends on your specific policy, and it's worth checking before you assume it's not an option.
What "Out-of-Network" Actually Means
Being out-of-network means I don't bill your insurance company directly. Instead, you pay for your session at the time of your appointment, and I provide you with a superbill — a detailed receipt with all the information your insurance company needs to reimburse you.
Explainer on: What a superbill is and how to use it.
Most clients submit their superbill through their insurance company's online portal or by mail, and receive reimbursement within a few weeks.
How to Check Your Out-of-Network Coverage
Before your first appointment, call the member services number on the back of your insurance card and ask these questions:
Do I have out-of-network mental health benefits?
What is my annual deductible for out-of-network providers, and has it been met?
How many therapy sessions per year does my plan cover?
What percentage does my plan reimburse for out-of-network mental health providers?
How do I submit claims for reimbursement from an out-of-network provider?
The CPT codes you may need when calling:
Diagnostic Evaluation (first session): 90791
Individual Therapy (45-minute session): 90834
Individual Therapy (60-minute session): 90837
Telehealth Sessions: 90834-95
I've written a more detailed walkthrough of this process in my guide on "how out-of-network benefits work".
Other Ways to Make Therapy More Affordable
If you have a Health Savings Account (HSA) or Flexible Spending Account (FSA), therapy is an eligible expense. You can pay for sessions with pre-tax dollars, which effectively saves you 20–30%, so use your HSA or FSA to pay for therapy.
If you don't have out-of-network benefits or insurance at all, I've put together a full breakdown of therapy costs without insurance so you know exactly what to expect.
If you're specifically looking into EMDR therapy, most insurance plans in Washington do cover it — I explain how that works in EMDR insurance coverage in Washington.
Why I Choose to Be Out-of-Network
I get asked this a lot, so I want to be transparent about it. Staying out-of-network allows me to provide longer sessions, maintain smaller caseloads, and focus entirely on what's clinically best for you rather than what an insurance company approves. It also means no diagnosis requirements for treatment, no session limits dictated by your plan, and full confidentiality — insurance companies don't receive your therapy notes.
I understand that cost matters, and I never want finances to be the reason someone doesn't get the help they need. If you have questions about making therapy work within your budget, I'm happy to talk through your options.
For a full overview of my session rates and payment details, visit my therapy fees and payment options page.
Ready to Get Started?
Contact me to schedule a complimentary consultation. We'll talk about what you're looking for and I can help you figure out what your insurance is likely to cover before you commit to anything.
