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All Fees are Paid by the Client at the Time of Service

Using Insurance

Hopwood Counseling & Consulting and Life Cycles Therapy provide out-of-network services only. This means we are not contracted providers under any insurance plans and cannot bill insurance for services provided.

We will provide you with documentation of services (superbill) provided that meets the requirements for most insurance companies for you to submit, if you are eligible for out-of-network reimbursement.

You must check with your own insurance carrier to find out if you have out-of-network benefits.

Read about the benefits of seeing an out-of-network provider here.

Out-of-pocket fees

Hopwood Counseling Fees (consulting fees on request)

  1. Psychotherapy

    • $180.00 per 50-Minute Session

  2. Gender Affirmation Medical Treatment Assessment & Referral

    • Base fee $500.00 for two 50-Minute Sessions (2 sessions minimum required)

    • IF additional sessions are necessary, $180.00 per 50-Minute Session

Life Cycles Therapy Counseling Fees

  1. Psychotherapy

    • $125.00 per 50-Minute Session

  2. Gender Affirmation Medical Treatment Assessment & Referral

    1. Base fee $350.00 for two 50-Minute Sessions (2 sessions minimum required)

    2. IF additional sessions are necessary, $125.00 per 50-Minute Session

Are these fees ever reduced?

Our fees are not reduced or discounted. If you are not able to pay the out-of-pocket fees for our services, you do have other options. Check on referral sites such as Psychology Today, HelpPro, Trans Care Site, RAD Remedy, and the National Association of Social Workers. Most of these sites have ways to narrow down the service areas you want (e.g., female, LGB, transgender, Jewish, Spanish, etc.). Some search engines are national, so do make sure you are searching in the state where you need services. In Cambridge, Massachusetts, services may also be available through the Cambridge Health Alliance. You can also call the number on the back of your health insurance membership card and request a list of behavioral health providers who are in-network and who will accept your insurance as direct payment for services.

What do you mean you don’t take insurance?

We do not accept any health insurance plans for direct payment of the costs of services provided. We are not contracted providers on any insurance plans within the state or federally. Clients cannot pay a co-pay and then have the balance billed to their insurance carrier for the insurance to pay the therapist the remainder due for the service provided.

All sessions must be paid in full at each appointment. All missed appointments and sessions cancelled with less than 24-hours notice must also be paid for in full at the time of the scheduled appointment. To make payments convenient, we accept credit card, cash, HSA/FSA cards, and checks (with prior arrangements). Auto-payments are arranged for those receiving services with Dr. Hopwood as part of the agreement and contract for services.

Specific details and financial policies and payment responsibilities and expectations are provided to new clients at the time they contract for psychotherapy services.

How do Out-of-Network benefits work?

Many people are able to submit the paperwork documenting services provided to their insurance carriers for reimbursement. This is called “out-of-network” benefits. Clients are provided with a document called a “superbill” each month. This superbill will list the insurance billing codes for the services received and a list of payments for these services. There is no information on these forms that discloses what a client talks about in sessions or personal life details. The superbill does list the client’s name as it appears on their health insurance so that reimbursement is not denied due to the carrier having no record of the person submitting the claim to them.

You have the right to request out-of-network benefits when your insurance carrier does not have any therapists in-network who provide specialized care such as spiritually-integrative psychotherapy, assessments for gender affirming medical and surgical referrals, concerns specific to alternative lifestyles, etc.

How do I find out if I have out-of-network benefits?

Call the member services number on the back of your health insurance identification card and ask if you have out-of-network benefits for behavioral health services. If you do, ask them the rate of reimbursement, or how much they pay you back per session. This rate will vary based on the service and the level of degree the therapist has. This means that the reimbursement rate will be higher if the therapists is licensed at the doctoral level compared to reimbursement for a therapist licensed at the masters level. For example, services at Hopwood Counseling & Consulting provided by Ruben Hopwood are at a doctoral level since he is licensed as a psychologist based on his PhD. For Life Cycles Therapy that operates out of Hopwood Counseling & Consulting, Melanie Cohn-Hopwood is licensed at a masters level as a clinical social worker based on her MSW. The reimbursement rates will be different for each of these therapists.

I can’t afford to pay cash, but I want to see you!

It may feel frustrating that our services are not available at reduced rates or through insurance plans. There are a range of strong emotions that come up when anything feels out of reach, especially when that thing is therapy and it feels like no one else could ever help. The disappointment can be a powerful feeling that may leave some people believing there is no one available to help them.

We have provided this page of information to help people explore what is possible using their own resources and reimbursement options, and when those options are not available, resources to find low-cost supports though other service providers. Fortunately, there are many qualified therapists in the area around Cambridge, Massachusetts and there are many community health centers, mental health agencies, and other clinics, which are registered non-profit organizations. Many non-profit health organizations receive state, federal, and private funding to allow them to offer subsidized and reduced rate services while financially supporting their businesses to offer low-cost, good care. The linked resources at the top of this page under “Are these fees ever reduced?” are a good place to look for some non-profit, subsidized, and insurance-based mental health providers.

Is it ethical to not accept insurance or reduce fees?

We are committed to providing services that are clinically sound, ethical, and that model self-care, respect, and integrity. This includes making sure that we are acting responsibly toward our own obligations, health, and commitments in our lives.

The active choice to live in personal integrity to the best of our ability allows us to provide our clients with the best care we can offer safely, confidentially, and in a supportive environment. We model ethical care by following our own recommendations for self-care and healthy boundary-setting that we assist clients to learn and demonstrate in their own lives. We work to keep what we say and what we do in alignment.

We model charity, generosity, and support of communities in need through our private charitable giving, volunteer work, and professional consultation and training for scores of health care providers and corporations nationally who then are enabled to provide sensitive and competent care and services to thousands more people than we could ever reach individually.