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

Widline Fertilien

Therapist

Virtual • Florida

“I'm direct, I'll help you connect the dots, challenge the patterns keeping you stuck, and find real, workable solutions.”

Anxiety, Relationship Issues, Trauma

Direct, Humorous, Solution-oriented

Accepts Aetna, Cigna, Ascension,

View profile and book

Francisco Rivera

Therapist

Virtual • Florida

“Drawing on evidence-based practices like Cognitive-Behavioral Therapy (CBT), mindfulness, and solution-focused techniques, I aim to help you develop practical tools to manage challenges and create meaningful change.”

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

Empowering, Energetic, Solution-oriented

Accepts Aetna, United Healthcare, Cigna,

View profile and book

Maria Ceballos

Therapist

Virtual • Florida

“I believe you are the expert on your story; therefore, the floor will be yours to explore at your comfort and pace.”

Anxiety, Depression, Family Issues, PTSD,

Affirming, Empowering, Warm

Accepts Aetna, Cigna, Ascension,

View profile and book

Andrelita Occean

Therapist

Virtual • Florida

“Using a solution-focused approach to my work, I fully attend each client's needs, beautifully interweaving clear presence with practiced skill.”

ADD/ADHD, Anger Management, Anxiety, Depression,

Humorous, Open-minded, Warm

Accepts Aetna, United Healthcare, Cigna,

View profile and book

Sandra Rocafort

Therapist

Virtual & in-person

9020 Rancho Del Rio Drive, New Port Richey, FL

“I strive to create a warm, supportive, and nonjudgmental space where clients feel comfortable exploring life's challenges while also feeling empowered to grow.”

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

Creative, Humorous, Warm

Accepts Aetna, United Healthcare, Cigna,

Offers free consultationsView profile and book

Jennifer Franco

Therapist

Virtual • Florida

“I believe therapy is a team effort where you are the ultimate expert on your own life and experiences.”

ADD/ADHD, Anger Management, Anxiety, Depression,

Direct, Empowering, Warm

Accepts Aetna, Cigna, Ascension,

View profile and book

Wendy Laza

Therapist

Virtual • Florida

“I believe that a warm, open-minded, client-centered, & non-judgemental environment is essential in beginning to heal and growing to the best version of yourself.”

ADD/ADHD, Anger Management, Anxiety, Depression,

Affirming, Solution-oriented, Warm

Accepts Aetna, United Healthcare, Cigna,

Offers free consultationsView profile and book

Maria Mirabal

Psychiatric Mental Health NP

Virtual & in-person

3042 University Parkway, Sarasota, FL

“I combine evidence-based psychiatric care with mindfulness practices to help you feel more grounded, present, and in control of your mental health.”

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

Empowering, Holistic, Open-minded

Accepts Aetna, United Healthcare, Cigna,

View profile and book

Rick Lee

Therapist

Virtual • Orlando, FL

“Rick brings deep empathy and relatability to his practice, laying a strong foundation for a successful therapeutic journey.”

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

Challenging, Direct, Solution-oriented

Accepts Aetna, United Healthcare, Cigna,

View profile and book

Abigail Wilson

Therapist

Virtual • DeLand, FL

“I believe my role is to walk beside you as you learn to accept, embrace and love your authentic self.”

Anxiety, Depression, Family Issues, Grief or loss,

Empowering, Humorous, Warm

Accepts Aetna, Cigna, Florida Blue,

Offers free consultationsView profile and book

Veronica Lockridge

Therapist

Virtual • Florida

“I believe in balancing evidence based strategies with genuine human connection. Therapy with me isn't cold...”

ADD/ADHD, Anxiety, Depression, Family Issues

Affirming, Empowering, Warm

Accepts Aetna, Providence Health Plan

View profile and book

Aesha Page

Therapist

Virtual • Florida

“I thrive on facilitating change in the therapeutic process by assisting individuals with the "balancing effect".”

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

Affirming, Empowering, Solution-oriented

Accepts Aetna, United Healthcare, Cigna,

View profile and book

Donna Louis

Therapist

Virtual • Florida

“I may utilize cognitive behavioral therapy, solution-focused brief therapy, as well as motivation interviewing most often in my practice.”

ADD/ADHD, Anger Management, Anxiety, Depression,

Inquisitive, Solution-oriented, Warm

Accepts Aetna, Cigna, Carelon Behavioral Health

Offers free consultationsView profile and book

Lauren Giordano

Therapist

Virtual • Florida

I started my career in New York City then moved my practice to the sunny state of Florida. My experience over the past 15 years is working with adults navigating everything from everyday stress to deeper emotional wounds. Life gets complicated sometimes, but you don't have to do it alone! Over the years, I’ve had the privilege of walking alongside people through their most vulnerable moments—and watching them rediscover their strength, gain clarity and build confidence.

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

Direct, Empowering, Solution-oriented

Accepts Aetna, Cigna, Florida Blue,

View profile and book

Nita Scott

Therapist

Virtual • Florida

“I like to start with an introduction and exploration of what brought you to therapy, which will help us to develop an effective treatment plan to guide us toward a positive solution to the problem.”

ADD/ADHD, Anxiety, Depression, Family Issues,

Challenging, Empowering, Solution-oriented

Accepts Aetna, Cigna, Ascension,

View profile and book

Tania Jacques

Therapist

Virtual • Florida

Welcome! I am so happy you here! I’m Tania Jacques, Licensed Clinical Social Worker (LCSW), and I believe everyone deserves a safe place to feel heard, supported, and understood. Life can become overwhelming when you’re dealing with anxiety, depression, stress, burnout, relationship challenges, or struggling to maintain your emotional well-being. You don’t have to navigate those experiences alone allow me to be here for you.

Anxiety, Depression, Maternal Mental Health, Relationship Issues,

Affirming, Empowering, Solution-oriented

Accepts Aetna, Cigna, Ascension,

View profile and book

Donna Bishri

Therapist

Virtual • Florida

“My goal is to create a supportive, nonjudgmental space where you feel heard, understood, and empowered to create meaningful, lasting change in your life.”

ADD/ADHD, Anxiety, Depression, Family Issues,

Humorous, Solution-oriented, Warm

Accepts Aetna, Cigna, Ascension,

Offers free consultationsView profile and book

Diana Perez-Nunez

Psychiatric Mental Health NP

Virtual & in-person

3275 West Hillsboro Boulevard, Deerfield Beach, FL

“I value patient participation and mutual goal setting and decision making management, as these measures have been found to improve receptivity to the process of adopting health-promoting behaviors.”

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

Holistic, Participatory, Warm

Accepts Aetna, United Healthcare, Cigna,

View profile and book

Stephanie Preston-Hughes

Therapist

Virtual & in-person

300 North Ronald Reagan Boulevard, Longwood, FL

“I use ACT (Acceptance & Commitment Therapy) to help clients make meaningful inside-out change over time.”

Grief or loss, LGBTQIA+, Women's Issues

Creative, Holistic, Warm

Accepts Aetna, United Healthcare, Cigna,

Offers free consultationsView profile and book

Laura O'Connell

Therapist

Virtual • Florida

“I love helping women in the perinatal period - at any point of conception, pregnancy, or postpartum.”

Anxiety, Depression, Family Issues, Maternal Mental Health,

Empowering, Holistic, Warm

Accepts Aetna, United Healthcare, Oscar,

Offers free consultationsView profile and book

Keren Rubin

Therapist

Virtual • Albany, FL

“Together, we will identify your strengths, explore patterns that may be keeping you feeling stuck, and develop practical tools to manage emotions, improve communication, and overcome barriers to personal growth, healthy relationships, and recovery.”

Anger Management, Anxiety, Bipolar Disorder, Depression,

Challenging, Empowering, Solution-oriented

Accepts Aetna, Cigna, Ascension,

Offers free consultationsView profile and book

Kasey Benthin-Staley

Therapist

Virtual • Florida

“My clients are often experiencing difficulty with neurodivergences in this neurotypical world, trauma symptoms, or mood-related issues like depression and anxiety.”

ADD/ADHD, Anxiety, Depression, Family Issues,

Affirming, Holistic, Solution-oriented

Accepts Aetna, United Healthcare, Cigna,

View profile and book

Shelizbet Aguirre

Therapist

Virtual & in-person

1218 Millennium Parkway, Brandon, FL

“I see myself as your co-pilot, providing a safe space for learning and practicing new skills and increasing your belief in yourself as you find your own way.”

Anxiety, PTSD, Relationship Issues, Trauma,

Empowering, Holistic, Warm

Offers free consultationsView profile and book

Rina L Gutierrez

Therapist

Virtual & in-person

2001 Northwest 107th Avenue, Doral, FL

“I believe that healing is a holistic process that involves the mind, body, and spirit—and that true transformation comes from the courage to confront, overcome, and evolve.”

Anger Management, Anxiety, Depression, Family Issues,

Creative, Energetic, Inquisitive

Accepts Aetna, Cigna, Florida Blue,

View profile and book

Dr. Melissa Argumosa

Therapist

Virtual • Florida

“My treatment meets you where you are. Together we can work through challenges, explore possibilities, and process how your past impacts who you are today.”

Anxiety, Depression, Family Issues, Maternal Mental Health,

Affirming, Empowering, Warm

Accepts Aetna, United Healthcare, Cigna,

Offers free consultationsView profile and book

Austin Hill

Therapist

Virtual & in-person

612 East Colonial Drive, Orlando, FL

“When done well, I believe therapy is hard. It can be messy, uncomfortable, even painful at times. Our sessions will also be filled with laughter, irreverence, probably profanity, and ultimately will become a space for you to discover what it feels...”

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

Challenging, Humorous, Solution-oriented

Accepts Aetna, United Healthcare, Cigna,

View profile and book

Leslie Vasconez

Therapist

Virtual • Florida

“I am a licensed and bilingual (Spanish and English) mental health counselor who specializes in individual, couples, and family therapy.”

Anxiety, Depression, Family Issues, Maternal Mental Health,

Holistic, Open-minded, Participatory

Accepts Aetna, United Healthcare, Cigna,

Offers free consultationsView profile and book

Alexandra Jeffery

Therapist

Virtual • Florida

“I bring curiosity, openness, and compassion into every session. Clients often describe me as grounded and thoughtful, with a style that balances insight and practicality.”

Anxiety, Depression, PTSD, Trauma,

Empowering, Open-minded, Warm

Accepts Aetna insurance

View 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

Rani Sinno

Therapist

Virtual • Tampa, FL

“My mission is to provide encouragement as you tackle your goals and unlock the innate courage you possess.”

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

Challenging, Empowering, Warm

Accepts Aetna, United Healthcare, Cigna,

View profile and book

Laura Pozo

Therapist

Virtual & in-person

3081 Salzedo Street, Coral Gables, FL

“I offer a warm, non judgmental and accepting environment where I strive for you to feel safe to share what you are going through.”

Anxiety, Depression, Grief or loss, Trauma

Open-minded, Solution-oriented, Warm

Accepts Aetna, United Healthcare, Cigna,

View profile and book

Denise Moore

Therapist

Virtual & in-person

1504 East Bearss Avenue, Lutz, FL

“Her focus is on helping the Global Majority of Black men and women create, maintain, and enforce boundaries while creating affirmations, knowing their worth, release trauma and breaking down the Black stereotypes.”

PTSD, Relationship Issues, Trauma, Women's Issues

Affirming, Empowering, Open-minded

Accepts Aetna, United Healthcare, Cigna,

Offers free consultationsView profile and book

Peter Wildeman

Therapist

Virtual & in-person

505 North Park Avenue, Winter Park, FL

“I work with people who are feeling stuck, stressed, or just plain overwhelmed, and I help them find new ways forward.”

Anger Management, Anxiety, Depression, Family Issues,

Direct, Open-minded, Solution-oriented

Accepts Aetna, United Healthcare, Cigna,

View profile and book

Kayla Duncan

Therapist

Virtual • Florida

“I strive to create a space where clients feel safe, welcome, and empowered, while working through often painful and challenging life experiences.”

Anxiety, Depression, Family Issues, Grief or loss,

Empowering, Open-minded, Warm

Accepts Aetna, United Healthcare, Cigna,

Offers free consultationsView profile and book

Princess Ruffin

Therapist

Virtual • Quincy, FL

“Clients often describe my style as warm, direct, and encouraging. I strive to create a safe and nonjudgmental environment where you can speak openly about what you're experiencing while working toward meaningful change.”

Anger Management, Anxiety, Bipolar Disorder, Depression,

Direct, Empowering, Warm

Accepts Aetna, Cigna, Florida Blue,

Offers free consultationsView profile and book

Dr. Dahlia Magdy

Psychologist

Virtual • Florida

“I believe therapy can help you better understand yourself while also developing practical ways to create meaningful change.”

ADD/ADHD, Anxiety, Bipolar Disorder, Depression,

Humorous, Inquisitive, Solution-oriented

Accepts Aetna, Carelon Behavioral Health

Offers free consultationsView profile and book

Yaima Rodriguez

Psychiatric Mental Health NP

Virtual & in-person

29399 US Highway 19 North, Clearwater, FL

“At Behavioral Health of Central Florida, we are dedicated to empowering individuals to embrace their mental health journey and discover a path to resilience and well-being.”

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

Empowering, Open-minded, Warm

Accepts Aetna, United Healthcare, Cigna,

View profile and book

Dr. Yarelie Calo Gobea

Therapist

Virtual • Alpharetta, FL

“Living intentionally is all about finding real, long-term solutions by shifting lifestyles, protecting inner peace, and stepping into the best version of yourself every single day.”

Anger Management, Anxiety, Bipolar Disorder, Depression,

Creative, Solution-oriented, Warm

Accepts Aetna, Cigna, Ascension,

View profile and book

Dr. Remy Nelson

Therapist

Virtual • Florida

“I provide a compassionate, trauma-informed space where clients can feel safe exploring difficult experiences, healing emotional wounds, and working toward meaningful change.”

Anger Management, Anxiety, Depression, Family Issues,

Empowering, Holistic, Open-minded

Accepts Aetna, United Healthcare, Cigna,

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