Financial Information
Rates 2026
Intake/Assessment 75 min: $220
Individual therapy 45 min: $150
Individual therapy 60 min: $180
No show/late cancel fee (see policy below): $100 each
No insurance? Ask me about reduced rates and sliding scale.
Individual therapy 45 min: $150
Individual therapy 60 min: $180
No show/late cancel fee (see policy below): $100 each
No insurance? Ask me about reduced rates and sliding scale.
Insurance
I am in-network with Medicare, BCBS, and Aetna (multiple plans, please check directory. Includes BHAP). I take the following Blue Cross plans: Blue Advantage, Blue Options, Blue Select, Classic Blue, Blue High Performance Network EPO, and MyBlue with Duke Health POS. I am out of network with Blue Value/Home. If I am in-network, you will be responsible for your copay or co-insurance after paying your deductible. For some BCBS plans, I am considered a specialist (higher copay). Please check with your insurance company.
I am out of network for ALL Medicare Advantage plans (please check your coverage, many have very good OON benefits). In-network insurance will reimburse me directly for services provided. I have successfully billed the following Medicare Advantage plans: Humana and Aetna. I am able to bill the following secondary Medicare plans, so you do not have a copay: BCBS, AARP, Aetna. You are responsible for the insurance copay/coinsurance at the time of service.
As of October 1, 2025, Medicare is requiring all new clients MUST present in person before moving to telehealth appointments unless there is a clear barrier to meeting this new requirement. All existing clients must be seen in person annually.
Other insurance plans often have out-of-network benefits that are comparable to in-network benefits, once you pay your deductible. I do not accept any United Healthcare or Cigna plans, but will provide a superbill. You are responsible for determining your mental health benefits. You will be responsible for the full fee at the time of session, unless we make other arrangements. I will provide you with the necessary documentation to file for reimbursement from your insurance company. In most cases, I am able to file your paperwork for you. If you are using out of network benefits or self-pay, you will receive a Good Faith Estimate per the "No Surprises Act" that went into effect on 1/1/22.
I am out of network for ALL Medicare Advantage plans (please check your coverage, many have very good OON benefits). In-network insurance will reimburse me directly for services provided. I have successfully billed the following Medicare Advantage plans: Humana and Aetna. I am able to bill the following secondary Medicare plans, so you do not have a copay: BCBS, AARP, Aetna. You are responsible for the insurance copay/coinsurance at the time of service.
As of October 1, 2025, Medicare is requiring all new clients MUST present in person before moving to telehealth appointments unless there is a clear barrier to meeting this new requirement. All existing clients must be seen in person annually.
Other insurance plans often have out-of-network benefits that are comparable to in-network benefits, once you pay your deductible. I do not accept any United Healthcare or Cigna plans, but will provide a superbill. You are responsible for determining your mental health benefits. You will be responsible for the full fee at the time of session, unless we make other arrangements. I will provide you with the necessary documentation to file for reimbursement from your insurance company. In most cases, I am able to file your paperwork for you. If you are using out of network benefits or self-pay, you will receive a Good Faith Estimate per the "No Surprises Act" that went into effect on 1/1/22.
Questions for using insurance plans
Some questions to ask your insurance provider prior to intake:
- Do I have mental health benefits?
- What is my deductible? Has it been met?
- How many sessions does my plan cover?
- Do I need pre-authorization?
- What are my out-of-network benefits, if applicable?
- What is my copay or co-insurance?
- Does my insurance cover telehealth sessions, if applicable?
- Are my telehealth benefits paid at the same rate as in-office visits?
cancellation policy
- If you do not attend your scheduled appointment or have not provided at least 24 hours' notice of cancellation, you will be required to pay a $100 fee before your next scheduled appointment.
- If you miss more than 3 sessions, your case may be closed, and you will be provided with a list of referral for other providers.
- If you are more than 15 min late for your appointment, it will be considered a late cancel appointment.
- Regularly cancelled appointments, even on time, may result in termination of services. Successful therapy requires regular attendance and participation.
Fees for other services
I charge a prorated $100/hour fee for additional services such as documentation or consultation with other professionals (ex. lawyers, disability), phone calls over 10 minutes, and requested research. This fee is not billable to insurance. If I am required to attend outside meetings on your behalf (ex. court), I charge $150/hour, minimum of 3 hours.
Forms of payment
For your convenience, I accept cash, checks, or credit cards (Visa, MC, AMEX, Discover). I accept HSA cards. Payment is due at the end of each session. There is a $25 fee for returned checks. If payment is an issue, it needs to be discussed before session. I use Ivy Pay (HIPAA compliant) to accept credit cards.
Good faith estimate
Under the No Surprises Act, all self-pay clients have the right to receive a Good Faith Estimate of expected charges for psychotherapy services. This estimate outlines the anticipated costs of services based on your treatment plan and will be provided prior to your first appointment or upon request.
Please note that the estimate is not a bill and actual charges may vary based on your individual needs. For questions or more information, you may contact me directly.
Please note that the estimate is not a bill and actual charges may vary based on your individual needs. For questions or more information, you may contact me directly.
Serving adults in Raleigh, NC area
Debra Eng, MSW, LCSW, CIMHP
Debra Eng, LCSW, PLLC
8382-104 Six Forks Road
Raleigh, NC 27615
Call me @ 919.764.4769
Encrypted form under contact me page
Debra Eng, MSW, LCSW, CIMHP
Debra Eng, LCSW, PLLC
8382-104 Six Forks Road
Raleigh, NC 27615
Call me @ 919.764.4769
Encrypted form under contact me page
Providing integrative care for complex health and mental health issues. Specializing in trauma-informed care for chronic pain and/or chronic illness, and caregiver support