Frequently asked questions

Hopkinton Psychological Services is not contracted with individual insurance companies and is therefore considered an “out-of-network” provider. We do not bill insurance directly. Some clients have insurance that offers reimbursement for out-of-network services, including therapy. We suggest that you check with your insurance provider, to see if you have out-of-network benefits. If you do, then we can provide monthly receipts that include all the information that insurance companies require for issuing reimbursements. We also work with Mentaya, a company than can help you check for out-of-network benefits and, if eligible, get reimbursed for services.

Yes. It's a good idea to contact your insurance provider before scheduling your first session. You can find the customer service number on the back of your insurance card. When you call, consider asking the following questions to understand your out-of-network benefits better:What are my out-of-network mental health benefits?Do I have an out-of-network deductible? If so, what is the amount, and do services from other out-of-network providers count toward it?Do I need a referral or prior authorization from my primary care provider to get reimbursed for seeing an out-of-network provider?After meeting my deductible, what percentage of my fee for therapy will be reimbursed?When does my deductible reset?For more information related to health insurance terminology, visit the CMS website.We work with Mentaya, a company than can help you check for out-of-network benefits and, if eligible, get reimbursed for services.

Therapy is an important investment of both your time and resources. After your first appointment, we will put together a personalized treatment plan that includes an estimate of how many sessions might be helpful and the associated costs. We use evidence-based therapy methods that typically have a recommended number of sessions, but everyone’s journey is unique. Some people may need or want to continue beyond that timeframe, and that’s completely okay.2026 FeesInitial evaluation session: $275Standard 50-minute therapy session: $200Weekend therapy session (limited availability): $250

Unfortunately, we do not offer a sliding scale. We set our fees to be competitive with those charged by most psychologists in our area and to allow us to cover the expenses of running a private practice.

To ensure a seamless process and allow us to focus on your care, we kindly request that clients keep a payment method on file in our patient portal and opt in to automatic billing. Payment is due at the time of each session.

In many cases, yes. Therapy with a licensed psychologist is typically considered an eligible expense for Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA). Many clients choose to use these funds to pay for sessions, which can make private pay therapy more affordable.Coverage rules can vary by plan, so it’s always a good idea to check directly with your FSA or HSA administrator if you have questions about eligibility or documentation. We are happy to provide receipts or documentation as needed to support reimbursement.

Choosing to pay directly for therapy offers greater scheduling flexibility, privacy, and a more personalized approach to treatment. Many clients find it allows therapy to better reflect their needs, goals, and values -- without the constraints that can come with insurance-based treatment.Some benefits of private pay therapy includeGreater privacy and confidentiality. Insurance companies often require diagnoses and treatment details; private pay allows therapy to remain between you and your therapist.More flexibility in treatment. Sessions aren’t limited by insurance rules around length, frequency, or type of therapy.A focus on your goals -- not insurance criteria. We can work on what feels most meaningful and relevant to you, even if it doesn’t fit neatly into a diagnostic box for your insurance. Consistency of care. Private pay reduces disruptions related to insurance changes, authorizations, or coverage limits.Collaboration without pressure. Treatment decisions are guided by what’s clinically helpful for you, rather than what you insurance will approve. Some clients are able to get reimbursement for for the cost of therapy, if their insurance has out-of-network benefits. It's a good idea to check with your insurance provider, to see if you have out-of-network benefits for therapy. We also work with Mentaya, a company than can help you check for out-of-network benefits and, if eligible, get reimbursed for services.We are happy to help you think through whether private pay is a good fit for your situation and answer any questions along the way.