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All Services for Counseling are Paid by the Client


Hopwood Counseling & Consulting and Life Cycles Therapy are not in-network with any insurances.

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

We can provide you with paperwork for your insurance company if you are seeking out-of-network reimbursement.

Are these fees ever reduced for anyone?

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, 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 or more 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 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 proper billing codes for the services you received and a list of what you have paid for these services. There is no information on these forms that discloses what you talk about or personal details of your life. 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 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. This rate will vary based on the service and the level of degree the therapist has. This means that the reimbursement rate will be more if the therapists is licensed at the doctoral level and less if the therapist is 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.

But I can’t afford to pay cash and I want to see you!

It may feel frustrating that our services are not available at reduced rates or on 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 through their own resources and reimbursements, and when those options are not available, 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. These non-profit organizations receive state, federal, and private funding to allow them to offer subsidized and reduced rate services without going out of business or providing poor care. The resources at the top of this page are a good place to start looking for some of these non-profit, subsidized, and insurance-based mental health providers.

We are commited to providing services that are sound, ethical, and model self-care, respect, and integrity. This includes making sure that we are responsible to our own obligations and commitments in our lives. This 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, in a supportive environment, and by following the recommendations for self-care and healthy boundary-setting that we ask clients to learn and demonstrate in their own lives. We also model charity, generosity, and support of communities in need through our charitable giving, volunteer work, and service to provide professional consultation and training to scores of health care providers and corporations who will then be enabled to provide sensitive care and services to thousands more people than we could ever reach individually.