Transparency Matters
Fees & Policies
Tracy believes in being upfront about the cost of care. Below you'll find session rates, insurance information, payment options, and important policies.
Session Rates
Investment in Your Wellbeing
Therapy is an investment in yourself and your relationships. Tracy offers a free 15-minute consultation so you can get started without any financial commitment.
Rates are subject to change with advance notice. Payment is due at the time of service.
Insurance
Out-of-Network Provider
Tracy is currently an out-of-network provider, which means she does not bill insurance directly. However, many insurance plans offer out-of-network mental health benefits that may cover a significant portion of your session fees.
How to use your out-of-network benefits:
- 1Call the member services number on your insurance card
- 2Ask about your out-of-network mental health or behavioral health benefits
- 3Ask about your deductible, reimbursement rate, and how to submit claims
- 4Pay for your session at the time of service
- 5Request a superbill from Tracy and submit it to your insurance for reimbursement
Payment Methods Accepted
Payment is due at the time of service.
Cancellation Policy
24-Hour Notice Required
Tracy's time is reserved specifically for you. If you need to cancel or reschedule, please provide at least 24 hours notice so that appointment time can be offered to another client.
Cancellations made with less than 24 hours notice may be charged a late cancellation fee. Repeated no-shows or late cancellations may result in discharge from services. Life happens — if you have an emergency, please reach out as soon as possible.
Common Questions
Frequently Asked Questions
Do you accept insurance?
Tracy is currently an out-of-network provider. Many insurance plans offer out-of-network benefits that may reimburse a portion of your session fees. Tracy can provide a superbill (itemized receipt) that you can submit to your insurance company for potential reimbursement. Contact your insurance provider to ask about your out-of-network mental health benefits.
What is a superbill?
A superbill is an itemized receipt that includes the diagnostic and procedure codes your insurance company needs to process an out-of-network reimbursement claim. Tracy provides superbills upon request.
What payment methods are accepted?
Tracy accepts all major credit and debit cards, HSA/FSA cards, and cash. Payment is due at the time of service.
What is your cancellation policy?
Please provide at least 24 hours notice if you need to cancel or reschedule your appointment. Cancellations made with less than 24 hours notice may be subject to a late cancellation fee. Repeated no-shows may result in discharge from services.
Do you offer a sliding scale?
Tracy is committed to making therapy accessible. A limited number of reduced-fee slots may be available based on financial need. Please reach out to discuss your situation — Tracy will do her best to find a solution that works for you.
How do I use my HSA or FSA?
Mental health therapy is an eligible expense under most Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). Simply use your HSA/FSA card at the time of payment, just like a debit card.
Have More Questions?
Tracy is happy to answer any questions about fees, insurance, or policies during a free 15-minute consultation — no commitment required.