Banner photo by Ruben Hopwood
Fees are Paid by each Client at the Time of Service
Both Hopwood Counseling & Consulting, LLC and Life Cycles Therapy
provide out-of-network services ONLY.
Read about the benefits of seeing an out-of-network provider here.
~insurance is not billed directly for any SERVICES~
Clients are responsible to check with their own insurance for out-of-network benefits. Use the information below: National Provider Identification (NPI) numbers, license level (doctoral or masters), service fees, and billing codes to help when talking to a carrier about possible reimbursements.
Clients who intend to seek insurance reimbursement for a portion of their out of pocket costs for treatment are responsible to verify that their insurance carrier will reimburse for out-of-network teletherapy services before incurring any costs.
Active clients receive regular documentation of services they receive and payments they make (a superbill and/or invoices). Clients are responsible for submitting superbills/invoices to their own insurance for reimbursement.
~All sessions are provided BY HIPAA secure video (teletherapy)~
VIDEO therapy services allow individuals anywhere within the states where the clinician is licensed to receive teletherapy supports while they are in that state.
Dr. Ruben Hopwood is a licensed psychologist in
Massachusetts (PSY10733), Minnesota (LP6971), and New Hampshire (4201).
Melanie Cohn-Hopwood is a licensed clinical social worker in
Massachusetts (LICSW113364), Maryland (LCSWC30345), and New Hampshire (3647).
Fees for Teletherapy Services by Provider
Hopwood Counseling & consulting, llc
Ruben HOpwood, MDiv, PHD, LP (NPI number: 1972859148)
**professional consulting and WPATH mentoring fees are individually arranged on request separately**
Psychotherapy (individual adults only) VIDEO THERAPY ONLY
$205.00 per 38-52-Minute Session (This is the default session length)
Billing Code 90834 (teletherapy)
$245.00 for 53-60-Minute Session (by prearrangement only)
Billing Code 90837 (teletherapy)
$265.00 for 60-Minute Intake/Psychiatric Diagnostic Evaluation
Billing Code 90791 (teletherapy)
Surgical Evaluation & Referral*
$500.00 for 120-Minutes (2 sessions)
Billing Code 90791 (teletherapy)
IF additional sessions are necessary, they are at the standard rates above.
*Please note that it is unethical and unprofessional for any clinician to guarantee a referral for any medical treatment prior to an evaluation by that clinician.
Life Cycles Therapy
Melanie Cohn-hopwood, licsw, LCSW-C (npi number: 1083857502)
Psychotherapy (individual adults only) VIDEO THERAPY ONLY
$175.00* per 50-Minute Session
*Time-limited reduced-fee sessions may be available, but are not promised.Billing Code 90834 (teletherapy)
$200.00 for 60-Minute Intake/Psychiatric Diagnostic Evaluation
Billing Code 90791 (teletherapy)
Surgical Assessments & Referrals
$400.00 for 110-Minutes (2 sessions)
Billing Code 90791 (teletherapy)
IF additional sessions are necessary, they are at the standard rates above.
Our commitments
We are committed to providing services that are clinically sound, ethical, and that model self-care, respect, and integrity.
We provide our clients with the best care we can offer safely, confidentially, and in a supportive environment.
We honestly disclose our fees before accepting anyone into services, providing written estimates of the expected cost of treatment to inform people’s free choices where to get services.
We model ethical care by following our own recommendations for self-care, personal responsibility, and healthy boundary-setting that we assist clients to learn and demonstrate in their own lives.
We strive to keep what we say and what we do in alignment.
We model charity, generosity, and support of communities in need through our private and 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.
Common Fee Questions
Are these fees ever reduced?
Life Cycles Therapy may occasionally offer a limited number of reduced-fee appointments for a defined period. Hopwood Counseling & Consulting, LLC does not offer reduced-fee appointments. If private-pay care is not financially feasible, referral sites such as Psychology Today, Zencare, Therapy Den, Better Help, and the Therapy Matcher service of the National Association of Social Workers can help you search for providers by specialty, language, and insurance accepted. Cambridge, Massachusetts residents may also consider the Cambridge Health Alliance. You may also contact the member services number on the back of your insurance card for a list of in-network behavioral health providers.
If you are unable to pay out of pocket or use insurance for evaluations or surgery referral letters, some clinicians may offer these services pro bono. You may ask any clinician you contact whether they provide reduced-fee or pro bono evaluations and referrals.
What do you mean you don’t take insurance?
We are a private-pay practice and do not bill insurance companies directly. For many clients, this offers greater privacy and more flexibility in treatment planning, without restrictions imposed by insurance coverage.
Our fees are set independently and reflect the cost of providing sustainable, high-quality care in the regions where services are offered. Private-practice clinicians are not required to contract with insurance companies or to offer reduced rates.
Because we are not in network with any insurance plans, clients pay the full session fee on the day of service rather than paying a copay while an insurer covers the balance. This applies to attended sessions, missed appointments, and cancellations made with less than 24 hours’ notice. Payment is processed through a secure credit card, debit card, HSA card, or FSA card kept on file during registration, and auto-payment is required as part of the registration and treatment agreement process. Clients with out-of-network benefits may be able to submit superbills to their insurance carrier for partial reimbursement, depending on their plan. Please see “How do Out-of-Network benefits work?” below for more information.
Clients who pay out of pocket and do not seek insurance reimbursement have rights under federal law, including protections related to Good Faith Estimates and the No Surprises Act. Please review this page for more information.
Detailed financial policies and payment responsibilities are provided to new clients as part of the registration materials and treatment agreement.
How do Out-of-Network benefits work?
Out-of-network benefits may allow you to submit documentation for therapy fees you have paid and request reimbursement directly from your insurance carrier. Coverage is more common with PPO plans than with HMO or public insurance plans. Clients are responsible for confirming their benefits directly with their insurer before starting services. Each month, clients receive a superbill showing the service codes used, the primary diagnosis code associated with treatment, and payments made. Missed appointments and late cancellation charges may appear on a superbill but are generally not reimbursable.
A superbill does not describe what is discussed in therapy or include personal narrative details. It does include the client’s name and date of birth as listed with the insurer, the diagnosis code for the primary reason for treatment, and the identifying information of the treating clinician, including the clinician’s National Provider Identifier (NPI) and business address.
In some cases, clients may request out-of-network coverage when their insurer does not have an in-network therapist who offers the specialized care they need, such as spiritually integrative psychotherapy or assessments for gender-affirming medical or surgical referrals. In Massachusetts and many other states, telehealth may also expand access to specialty care by allowing clients to work with licensed therapists anywhere in the state where the therapist is authorized to practice.
Coverage and reimbursement vary by plan. Clients are responsible for confirming benefits directly with their insurance carrier before beginning services if they intend to seek reimbursement.
How do I find out if I have out-of-network benefits?
Call the member services number on the back of your insurance card and ask whether your plan includes out-of-network benefits for behavioral health services, as well as the reimbursement rate for the services you may receive. Reimbursement varies by service code (see above lists of codes) and by the therapist’s degree and licensure. For example, services provided by Dr. Ruben Hopwood through Hopwood Counseling & Consulting, LLC are billed at the doctoral level, while services provided by Ms. Melanie Cohn-Hopwood through Life Cycles Therapy are billed at the master’s level.
I can’t afford to pay cash, but I want to see you!
We understand it can be disappointing when a preferred service is not financially accessible. We hope this information helps you make informed decisions about private-pay care, reimbursement options, and alternative sources of support.
Many qualified therapists, community health centers, mental health agencies, and nonprofit clinics offer reduced-fee, subsidized, or insurance-based services. The resources listed above under “Are these fees ever reduced?” are a good place to begin if you are seeking lower-cost care or providers who accept insurance.
