Frequently Asked Questions

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Do you take insurance?

I do not take insurance.  You may ask why?  


This is for several reasons, first it helps to keep your information more confidential.  Insurance companies require certain information about you which could ultimately impact your employment depending on where you work.  


Additionally, insurance companies usually require a mental health diagnosis and then will base treatment plans and number of approved sessions based on that diagnosis.  I do not want to be limited and neither should you.


Upon your request however, I can provide an invoice, referred to as a superbill or CMS-1500 form- for you to submit for reimbursement to your insurance provider.  I make no guarantees about the level of reimbursement you will receive from your insurance company.


I suggest you contact your insurance company, either online or via the member services number located on the back of your insurance card, to ask questions about out of network coverage as they pertain to your plan so that you can make an informed decision before beginning therapy. for you to provide to your insurance for reimbursement.


Some HSA/FSA accounts also allow counselors to bill directly.  Please contact your insurance provider for more info on that as well.


WHAT QUESTIONS SHOULD I ASK MY INSURANCE COMPANY ABOUT OUT-OF-NETWORK BENEFITS?

  • Do I have out-of-network mental health benefits?
  • Are services rendered by a licensed clinical social worker covered?  My license in the state of FL is SW10591.
  • Is any pre-approval required before obtaining out-of-network mental health services in order to be reimbursed?
  • If I have out-of-network benefits, will I be reimbursed the full amount I paid or a portion?
  • Do I have a deductible and if so, what is it?

WHAT ARE THE PAYMENT OPTIONS

I accept cash and all major credit cards.  I can also accept HSA/FSA cards.  Change cannot be made, so any overpayments will be credited to your account.

WHEN IS PAYMENT DUE?

The full fee for your session is collected at or before the time of services via cash, credit card or debit card.  We can also securely record a debit or credit card so you will not have to take time for payment during your session.  

WHAT IS YOUR CANCELLATION POLICY

Your appointment time is established and held especially for you.  If you miss your scheduled appointment and you do no cancel forty-eight hours in advance, you will be responsible for the full cost of that appointment.


Fee for insufficient funds or declined card is $25.00.  You will not be allowed to book another appointment if you have an outstanding balance.  Outstanding balances not paid within 30 days may be sent to collections.

CREDIT CARD AUTHORIZATION POLICY

Ericka Sam, LCSW LLC requires a credit card authorization be on file so that your balances can be settled as they occur.  When credit card charges for unpaid balances arise (e.g., missed appointments), a statement of the charges and receipt may be mailed to you upon your request.  If you refuse to provide a card on file and you fail to provide 48 hours notice before canceling an appointment, you will be billed via invoice and charged an additional fee of $25.00 unless other arrangements are made in advance.

WHAT ABOUT EMAILS, RECORDS, & OTHER NEEDS

In addition to regularly scheduled appointments, I retain the right to charge for other professional services you may request.


Other services include report writing, telephone conversations lasting longer than 15 minutes, attendance at meetings with other professionals you have authorized and requested, preparation of records or treatment summaries, and the time spent performing any other services you may request.


These fees will depend on the nature of the request.

  • If you elect to email, text or call me about a situation outside of therapy and do not wish to wait until your next appointment to have us explore it with you (e.g. a conflict that occurred or a nightmare or other distressing event), you will be charged half your session fee.  You will be reminded of this policy before any charge to your account has been made.


  • If you become involved in legal proceedings that require my participation, you will be expected to pay for my professional time even if we are called to testify by another party.  Because of the difficulty of legal involvement, I charge $250 pre hour for preparation and attendance at any legal proceeding.