Does my insurance cover therapy in Florida?

Today, most plans include [some sort of coverage for mental health care](https://headway.co/clients/understanding-health-insurance). You can check your mental health coverage for your current plan by doing any of the following: - Enter your insurance plan details on [Headway](https://headway.co) to see if we can instantly verify - Visit your insurance company's website or app - Review your EOB (explanation of benefits) and look for details on "behavioral health benefits" - Call your insurance company directly to ask

How much will my therapy session cost in Florida?

Once you select a therapist and enter [your insurance details](https://headway.co/clients/understanding-health-insurance), we'll verify your insurance and estimate your in-network session costs. Because we partner with 70+ of the nation's top insurance plans, we're able to provide you with accurate estimates before you even book.

How do I find a therapist in Florida who accepts my insurance?

Select your state and insurance on [Headway](https://headway.co) — then, use filters to add any other preferences such as ethnicity, age, gender, and therapy style. We'll provide a list of providers who match your preferences and accept your plan, and you'll be able to review their profiles and book directly.

Which insurance plans does Headway accept in Florida?

Headway therapists are currently able to accept Aetna, Blue Cross and Blue Shield (in select states), Cigna, Oscar, Oxford, United Healthcare, and all Optum affiliates. These larger insurance networks also administer mental health benefits for third-party insurance carriers, and often our providers are able to accept those, as well.

Do I have to pay to use Headway?

No, it doesn't cost anything to find a therapist on Headway. Once you're ready to book, we'll find [your mental health benefits](https://headway.co/clients/understanding-health-insurance) and show you a price estimate per session. You won't be charged until after the session.

When am I going to be charged?

A few days before [your first session](https://headway.co/clients/first-therapy-session), we'll verify your account has enough funds by placing a temporary hold on your payment method. This hold will be the same amount as your estimated cost and will have "Headway" as the statement description. After your session, we'll cancel this hold and issue a charge for the estimated cost.

How do I pay for my care?

You can pay by card (credit, debit, HSA, FSA, or HRA Card) or by connecting your bank account. After a session, your therapist will confirm the details and we'll bill your payment method on file. We're able to bill you at the time of service because our system reads your benefits in real time (vs. waiting for your claim to process).

Are video visits with a therapist online covered by my insurance?

Most insurance plans will cover telehealth services (video visits). When you add [your insurance details](https://headway.co/clients/understanding-health-insurance), we can help determine if telehealth is covered by your specific plan.

Are all the clinicians on Headway licensed?

Yes, all clinicians on Headway are required to be fully licensed. Headway clinicians include talk therapists (LMHC, LCSW, LMFT, Counselor, LPC, LP, LCAT, and Psychologist) and medication management providers (Psychiatrists, Nurse Practitioners, MDs, and DOs).

Is online therapy more affordable than in-person therapy?

It depends. If you're using insurance, online and in-person therapy often cost about the same, [based on your coverage and provider network](https://headway.co/clients/understanding-health-insurance). Some find online care more convenient and accessible. With Headway, you can find therapists who accept your insurance and get a cost estimate before you book.

Is there a difference between a therapist, counselor, or psychiatrist?

Yes. “Therapist” and “counselor” are general terms for professionals who provide talk therapy for mental health challenges. Their titles may vary based on training and licenses. A psychiatrist is a medical doctor who can diagnose conditions, prescribe medication, and sometimes offer therapy. On Headway, you can find both therapists and psychiatrists to support your needs.

What can I expect at my first therapy session?

In your first session, think of it as an opportunity for you and your therapist to get to know each other. They'll likely ask about what brought you to seek therapy and about your goals. Together, you'll figure out what works best for you, and set a comfortable rhythm for sessions that follow. Not sure where to start? Headway's directory makes it easy to find a therapist who fits your needs and takes your insurance, helping you feel confident walking into your first session. Explore therapists in Florida and view their profiles for more information on who they are and how approach their sessions.

Is virtual therapy with a Florida therapist an option for me if I’m located in a different state?

There are a few factors the determine if you can see a provider in Florida from your state. First, Florida and your state must be reciprocity states, which is an agreement that effectively allows a licensed professional to "transfer" their license to the other state. Additionally, the provider must go through the reciprocity licensing process. Headway's directory shows you all of the providers licensed in Florida, making it easy to tell which providers you can see virtually from your location. Individual provider's profiles provides information on where they're located and what modalities they offer.

What therapy types do Headway's therapists offer?

Headway's network includes a range of therapy styles—think Cognitive Behavioral Therapy (CBT), Dialectical Behavior Therapy (DBT), and more. There are therapists trained in everything from solution‑focused work to trauma-informed or family therapy. With Headway, you can explore and connect with therapists in Florida who matches your needs. Use Headway's directory to find someone who offers the kind of care you're looking for, in a way that resonates with you.

Find a therapist in Florida — covered by insurance

Dr. Maegan Kenney

Therapist

Virtual • Florida

“My style is warm, direct, and collaborative. I help clients look beneath the surface of symptoms to understand the patterns and experiences shaping their lives...”

Anxiety, Depression, Grief or loss, PTSD,

Direct, Empowering, Warm

Accepts Aetna insurance

Offers free consultationsView profile and book

Annelie Welch

Therapist

Virtual & in-person

2380 3rd Street South, Jacksonville Beach, FL

“Annelie cares about you and promotes your mental, physical, emotional, social and spiritual health through compassionate, knowledgeable, and experienced assessment, counseling and behavioral health services for you and those you love.”

ADD/ADHD, Anger Management, Anxiety, Depression,

Affirming, Empowering, Warm

Accepts Aetna, United Healthcare, Cigna,

View profile and book

N Jasmine Johnson

Therapist

Virtual • Clearwater, FL

“My therapy approach is solution-focused and strength-based. I focus on practical solutions and help you leverage your strengths to overcome challenges.”

Anxiety, Bipolar Disorder, Depression, Family Issues,

Creative, Humorous, Open-minded

Accepts Aetna, United Healthcare, Cigna,

View profile and book

Janet Newsham

Therapist

Virtual • Florida

“My therapy style is compassionate and collaborative. I work with you to uncover the patterns keeping you stuck, honor your identity and lived experience, and create practical strategies for lasting change.”

ADD/ADHD, Anxiety, Bipolar Disorder, Depression,

Creative, Empowering, Humorous

Accepts Aetna, Horizon Blue Cross and Blue Shield of New Jersey

View profile and book

Dr. Annette Gutierrez-Hersh

Therapist

Virtual & in-person

1500 Weston Road, Weston, FL

“My speciality is eating disorders. I worked for over 11 years at an eating disorder treatment center before making a change to be on my own.”

Anxiety, Depression, Eating Disorders, Family Issues,

Empowering, Solution-oriented, Warm

Accepts Aetna, United Healthcare, Cigna,

View profile and book

LaMora Pace

Therapist

Virtual & in-person

2500 Hollywood Boulevard, Hollywood, FL

“My trauma-informed, culturally responsive approach helps people understand patterns, rebuild trust, and grow with confidence.”

Anger Management, Anxiety, Depression, Family Issues,

Direct, Empowering, Energetic

Accepts Aetna, Curative, Providence Health Plan

View profile and book

Sharayne Douglas

Therapist

Virtual • Florida

“I believe every person deserves compassionate, individualized care, and I strive to meet clients where they are while helping them build the skills and confidence to move toward meaningful change.”

ADD/ADHD, Anger Management, Anxiety, Bipolar Disorder,

Affirming, Solution-oriented, Warm

Accepts Aetna, Cigna, Florida Blue,

View profile and book

Ximena Abondano

Therapist

Virtual & in-person

70 Northeast 97th Street, Miami Shores, FL

“I believe in the power of the human spirit to overcome adversity and challenges by extracting their hidden wisdom.”

Anger Management, Anxiety, Depression, Family Issues,

Direct, Solution-oriented, Warm

Accepts Aetna, United Healthcare, Cigna,

Offers free consultationsView profile and book

Kelcey Killingsworth

Therapist

Virtual & in-person

1150 North 12th Avenue, Pensacola, FL

“I believe in the resilience of the human spirit and I enjoy helping clients maximize their potential in all areas of life.”

ADD/ADHD, Anxiety, Bipolar Disorder, Depression,

Holistic, Open-minded, Warm

Accepts Aetna, United Healthcare, Cigna,

View profile and book

Lauren Fanwick

Therapist

Virtual • West Sayville, FL

“My approach is collaborative, compassionate, and non-judgmental, with a focus on building a safe space for you to explore your emotions, develop coping mechanisms, and enhance your overall well-being.”

ADD/ADHD, Anxiety, Depression, Eating Disorders,

Open-minded, Solution-oriented, Warm

Accepts Aetna, Cigna, Carelon Behavioral Health

View profile and book

Katrina Kemos

Therapist

Virtual • Florida

“I am dedicated to helping others find hope and peace in their lives in order to reach their full potential.”

Anger Management, Anxiety, Depression, Grief or loss,

Affirming, Open-minded, Warm

Accepts Aetna, United Healthcare, Cigna,

Offers free consultationsView profile and book

Heather Humber

Therapist

Virtual • Florida

“The most common feedback I have received throughout my career, is clients feeling very comfortable with me from the start.”

ADD/ADHD, Anger Management, Anxiety, Bipolar Disorder,

Empowering, Inquisitive, Open-minded

Accepts Aetna, United Healthcare, Cigna,

View profile and book

Lee Holliday

Therapist

Virtual • Florida

“My style is warm, practical, and respectful. I want you to feel comfortable being honest about what you're experiencing while we work together to find realistic ways forward.”

Anxiety, Grief or loss, Relationship Issues, Trauma,

Affirming, Empowering, Holistic

Accepts Aetna, Cigna, Ascension,

View profile and book

Dr. Natalie Giraldo Barrios

Psychologist

Virtual • Florida

“I understand the process of initiating therapy can sometimes be intimidating, which is why I go out of my way to ensure I create an environment where my patients can feel at ease and understood.”

ADD/ADHD, Anger Management, Anxiety, Depression,

Creative, Empowering, Warm

Accepts Aetna, Cigna

View profile and book

Lisa Fuller

Therapist

Virtual • Florida

“I help my clients get control of their emotions by equipping them with the tools they need to regulate their nervous system and take control of their thoughts.”

Anxiety, Depression, PTSD, Relationship Issues,

Affirming, Empowering, Warm

Accepts Aetna, Cigna, Carelon Behavioral Health,

Offers free consultationsView profile and book

Jeerika Diaz

Psychiatric Mental Health NP

Virtual • Altamonte Springs, FL

“I am especially passionate about helping culturally diverse populations achieve the best possible care.”

Anxiety, Bipolar Disorder, Depression, Grief or loss,

Empowering, Solution-oriented, Warm

Accepts Aetna, United Healthcare, Cigna,

View profile and book

Leana Simpson

Therapist

Virtual • Florida

“I am deeply devoted to the empowerment of my clients and believe that therapy can be transformational once safety and trust is developed.”

Anxiety, Depression, Family Issues, Grief or loss,

Empowering, Open-minded, Warm

Accepts Aetna, United Healthcare, Cigna,

Offers free consultationsView profile and book

Mo Deutsch

Therapist

Virtual • Charlotte, FL

With over 27 years of clinical experience, I invite you to a compassionate, non-judgmental, and safe place place for healing and growth. Here you will be able to process current emotions, make sense of your past, and understand how your struggles adversely affected you. Together we'll address mood disorders and uncover negative perceptions that have impacted you and your relationships.

Anxiety, Bipolar Disorder, Depression, Grief or loss,

Empowering, Solution-oriented, Warm

Accepts Aetna, Cigna, Carelon Behavioral Health,

Offers free consultationsView profile and book

Dr. Marie Labranche

Therapist

Virtual • North Palm Beach, FL

“I believe if you do the work, you will get the results. I'm not for everyone, but if you are looking for a laid back no nonsense practitioner...”

ADD/ADHD, Anger Management, Anxiety, Depression,

Empowering, Humorous, Open-minded

Accepts Aetna, Cigna, Florida Blue,

Offers free consultationsView profile and book

James Falduti

Therapist

Virtual • Delmar, FL

“I am skilled at helping my clients learn practical tools to improve confidence, reduce anxiety, communicate more effectively and be free of fear and shame.”

ADD/ADHD, Anxiety, Bipolar Disorder, Depression,

Affirming, Empowering, Open-minded

Offers free consultationsView profile and book

Amanda Vargo

Therapist

Virtual • Florida

“I specialize in helping women who are struggling with overwhelming anxiety + stress, life transitions, infertility, perinatal loss and maternal mental health.”

Anxiety, Depression, Family Issues, Grief or loss,

Affirming, Empowering, Holistic

Accepts Aetna, United Healthcare, Cigna,

Offers free consultationsView profile and book

Sonia Roberts

Therapist

Virtual & in-person

900 Cesery Boulevard, Jacksonville, FL

“I focus on empowering every client's journey towards change by building a positive therapist-client relationship, and creating a compassionate, caring, non-judgmental environment where you can express your concerns openly.”

Anxiety, Depression, Relationship Issues

Affirming, Humorous, Solution-oriented

Accepts Aetna, United Healthcare, Cigna,

View profile and book

Samantha Zorn

Therapist

Virtual • Florida

“I believe that we are all the experts of our own lives, and my job is to simply help guide my clients in figuring out what feels best for them.”

Anger Management, Anxiety, Bipolar Disorder, Depression,

Affirming, Empowering, Warm

Accepts Aetna, United Healthcare, Cigna,

Offers free consultationsView profile and book

Thomas Hanna

Therapist

Virtual • Florida

“I take the time to genuinely connect with my clients, and, through the use of evidence-based treatments, I have helped hundreds of people just like you recover their quality of living.”

Anxiety, Depression, Grief or loss, PTSD,

Affirming, Open-minded, Solution-oriented

Accepts Aetna, United Healthcare, Cigna,

Offers free consultationsView profile and book

Dr. Kim Davis

Therapist

Virtual • Florida

“Clients should leave my session feeling heard and seen. I believe in validating my clients, encouraging them to use their strengths, and allowing them to grow in whatever way they desire.”

ADD/ADHD, Anger Management, Anxiety, Depression,

Affirming, Direct, Open-minded

Accepts Aetna, United Healthcare, Cigna,

View profile and book

Dr. Gabby Ochoa Del Gaudio

Psychologist

Virtual • Granada Hills, FL

“My approach to therapy is holistic, collaborative, and deeply trauma-informed. I believe that true healing occurs when we address not only thoughts and behaviors, but also the impact that life experiences have on the nervous system, body, and...”

Anxiety, Family Issues, Grief or loss, Maternal Mental Health,

Affirming, Holistic, Warm

Accepts Aetna, Cigna, Carelon Behavioral Health,

Offers free consultationsView profile and book

Karen Gillette

Therapist

Virtual • Florida

“I believe in the inherent strength of each individual and work with clients to find the best path to personal growth, acceptance and empowerment.”

Anxiety, Depression, Grief or loss, PTSD,

Affirming, Empowering, Solution-oriented

Accepts Aetna, Cigna, Ascension,

Offers free consultationsView profile and book

Daniel Balassone

Therapist

Virtual • Florida

“My style is very conversational and direct. I am an eclectic therapist, meaning that I use multiple modalities of treatment including, but not limited to CBT, DBT, ACT, Mindfulness, and solution focused therapy.”

ADD/ADHD, Anger Management, Anxiety, Depression,

Challenging, Direct, Warm

Accepts Aetna, Providence Health Plan

View profile and book

Wanda Schubarth

Therapist

Virtual • Florida

You may be feeling stuck in patterns that no longer serve you, especially if you’ve experienced trauma, toxic relationships, or emotional pain that keeps resurfacing. It can feel overwhelming trying to move forward while still carrying the weight of the past. You don’t have to do this alone. I provide a supportive space where you can begin to understand your story, break free from old patterns, and move toward a more peaceful, meaningful, and purpose-driven life.

Anxiety, Depression, Family Issues, Grief or loss,

Affirming, Participatory, Solution-oriented

Accepts Aetna, Cigna, Florida Blue,

View profile and book

Alexa Gavrilov

Therapist

Virtual • Margate City, FL

“I believe that healing is not about fixing what's "wrong," but about strengthening your sense of self, building confidence, and creating a life that feels aligned and sustainable.”

ADD/ADHD, Anxiety, Eating Disorders, Family Issues,

Empowering, Open-minded, Solution-oriented

Accepts Aetna, Cigna, Ascension,

View profile and book

Ana Maria Serrano-Fowlkes

Therapist

Virtual • Florida

“I am passionate about helping individuals and couples become "unstuck". Many of my clients feel unfulfilled.”

ADD/ADHD, Anxiety, Bipolar Disorder, Depression,

Holistic, Humorous, Solution-oriented

Accepts Aetna, United Healthcare, Cigna,

Offers free consultationsView profile and book

Dr. Ashley Nazon

Therapist

Virtual • Florida

“Clients can expected to be empowered and have heart felt sessions to help them continue to move through life and all its' struggles.”

ADD/ADHD, Anger Management, Anxiety, Depression,

Affirming, Holistic, Solution-oriented

Accepts Aetna, United Healthcare, Cigna,

View profile and book

Shelley Edwards

Therapist

Virtual & in-person

6922 West Linebaugh Avenue, Tampa, FL

“My conversational style, paired with a thoughtful dose of directness, ensures that you feel both comfortable and motivated to achieve your goals.”

ADD/ADHD, Anger Management, Anxiety, Depression,

Direct, Empowering, Holistic

Accepts Aetna, United Healthcare, Cigna,

View profile and book

Dr. Frances Yahia

Therapist

Virtual • Florida

“My approach leans towards a Jungian-wholistic approach with an emphasis on shadow work and radical self-acceptance.”

ADD/ADHD, Anger Management, Anxiety, Bipolar Disorder,

Direct, Holistic, Inquisitive

Accepts Aetna, United Healthcare, Cigna,

View profile and book

Ebony Johnson

Therapist

Virtual • Florida

“My expertise focuses on helping women develop the skills necessary to face life's challenges with optimism and hope.”

Anger Management, Anxiety, Depression, PTSD,

Empowering, Humorous, Solution-oriented

Accepts Aetna, Cigna, Blue Cross Blue Shield of Massachusetts,

Offers free consultationsView profile and book

Dominique Gordon

Psychiatric Mental Health NP

Virtual • Florida

“My goal is to help you regain clarity, confidence, and control so you can stop simply getting through each day and start building a life that feels more balanced, meaningful, and aligned with your values.”

ADD/ADHD, Anxiety, Depression, OCD,

Direct, Solution-oriented, Warm

Accepts Aetna, United Healthcare, Cigna,

Offers free consultationsView profile and book

Janae Johnson

Therapist

Virtual • Port St. Lucie, FL

“I work with my clients to create an open and safe environment where thoughts and feelings can be shared without fear of judgment.”

ADD/ADHD, Anger Management, Anxiety, Bipolar Disorder,

Direct, Empowering, Solution-oriented

Accepts Aetna, United Healthcare, Cigna,

View profile and book

Alesia Lacy

Therapist

Virtual • Florida

“My counseling style is a client-centered strength-based approach that includes various treatment modalities depending on the client's needs and expectations.”

ADD/ADHD, Anger Management, Anxiety, Depression,

Affirming, Solution-oriented, Warm

Accepts Aetna, Cigna, Carelon Behavioral Health,

View profile and book

Marbel Freay Locarno

Therapist

Virtual • Kissimmee, FL

“Her style is warm, empathic, and collaborative, helping clients build on their strengths and gain insight into the core issues affecting their life.”

Anger Management, Anxiety, Bipolar Disorder, Depression,

Participatory, Solution-oriented, Warm

Accepts Aetna, Cigna, Ascension,

View profile and book

Pragya Agarwal

Therapist

Virtual • Florida

“I understand the impact of culture and identity on mental health and am committed to providing inclusive, affirming care.”

ADD/ADHD, Anger Management, Anxiety, Bipolar Disorder,

Affirming, Inquisitive, Open-minded

Accepts Aetna, Cigna, Ascension,

Offers free consultationsView profile and book

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Features

Find a therapist in Florida — covered by insurance

Top therapists in Florida accepting new patients

Frequently asked questions

Does my insurance cover therapy in Florida?

How much will my therapy session cost in Florida?

How do I find a therapist in Florida who accepts my insurance?

Which insurance plans does Headway accept in Florida?

Do I have to pay to use Headway?

When am I going to be charged?

How do I pay for my care?

Are video visits with a therapist online covered by my insurance?

Are all the clinicians on Headway licensed?

Is online therapy more affordable than in-person therapy?

Is there a difference between a therapist, counselor, or psychiatrist?

What can I expect at my first therapy session?

Is virtual therapy with a Florida therapist an option for me if I’m located in a different state?

What therapy types do Headway's therapists offer?

Find the right therapist for you

Find the right therapist for you