Does my insurance cover therapy in Massachusetts?

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 Massachusetts?

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 Massachusetts 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 Massachusetts?

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 Massachusetts and view their profiles for more information on who they are and how approach their sessions.

Is virtual therapy with a Massachusetts 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 Massachusetts from your state. First, Massachusetts 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 Massachusetts, 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 Massachusetts 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 Massachusetts — covered by insurance

Jessika De Castro-Johnston

Therapist

Virtual • Massachusetts

“My approach is person-centered and strengths-based, grounded in the belief that you already hold the capacity for growth and healing.”

Anxiety, Grief or loss, PTSD, Relationship Issues,

Affirming, Creative, Inquisitive

Accepts Aetna, Cigna, Carelon Behavioral Health,

Offers free consultationsView profile and book

Carl DeJohn

Therapist

Virtual • Massachusetts

“I believe, strongly, in the inherent worth and dignity of every person, and that every person has the ability within themselves to not only enact change, but be their very own change agent.”

Anger Management, Anxiety, Family Issues, Grief or loss,

Affirming, Empowering, Open-minded

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, United Healthcare,

View profile and book

Haleigh Lombardi

Therapist

Virtual • Massachusetts

“I take a relational approach in hopes of truly connecting with you to provide a more personalized, compassionate and trusting space.”

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

Affirming, Empowering, Holistic

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, United Healthcare,

Offers free consultationsView profile and book

Charles Martin

Therapist

Virtual • Massachusetts

“I tailor my therapeutic approach to meet the unique needs of each individual. Employing a blend of evidence based harm reduction practices...”

Anxiety, Depression, Grief or loss, PTSD,

Empowering, Open-minded, Solution-oriented

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

View profile and book

Mackie Alexis

Psychiatric Mental Health NP

Virtual • Massachusetts

“My approach is collaborative and personalized, combining medication management with supportive therapy to help improve mood, stability, and overall functioning.”

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

Open-minded, Solution-oriented, Warm

Accepts Aetna, United Healthcare, Cigna,

View profile and book

Osilia Trigueros

Therapist

Virtual • Massachusetts

“My approach is person centered and holistic. It is rooted in treating the whole person; mind, body and spirit.”

Depression, Grief or loss, Maternal Mental Health, PTSD,

Empowering, Holistic, Warm

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

View profile and book

Kate Kreider

Therapist

Virtual • Massachusetts

“I work as a pediatric palliative care social worker and help patients and families focus on what is most important to them.”

Anxiety, Depression, Grief or loss

Affirming, Empowering, Humorous

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

View profile and book

Dr. Anthony Ramirez

Psychiatrist

Virtual • Massachusetts

“I am direct and practical. I not only look at the psychiatric but also the medical aspect of the patient helping them to achieve and maintain overall health.”

Anxiety, Bipolar Disorder, Depression, OCD,

Affirming, Direct, Solution-oriented

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, United Healthcare,

Offers free consultationsView profile and book

Sonia Parks

Therapist

Virtual • Massachusetts

“My practice is rooted in the belief that true healing goes beyond just the mind—it involves nurturing the whole person, including the heart, soul, and spirit.”

Anxiety, Bipolar Disorder, Depression, Family Issues,

Holistic, Open-minded, Warm

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, Harvard Pilgrim Healthcare,

Offers free consultationsView profile and book

Rebecca Kelley

Therapist

Virtual • Massachusetts

“I incorporate modalities such as cognitive behavioral therapy, motivational interviewing, and mindfulness into my treatment so that I can help clients make the most of their therapy and reach their full potential.”

Anger Management, Anxiety, Depression, Family Issues,

Direct, Empowering, Solution-oriented

Accepts Blue Cross Blue Shield of Massachusetts, United Healthcare, Horizon Blue Cross and Blue Shield of New Jersey,

Offers free consultationsView profile and book

Jeanne-Marie Hogan

Therapist

Virtual • Massachusetts

“I firmly believe that everyone is doing the best they can and has the capacity to improve their lives with the right tools and support.”

ADD/ADHD, Anxiety, Depression, Family Issues,

Affirming, Empowering, Holistic

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, United Healthcare,

View profile and book

Sophia Bartone

Therapist

Virtual • Boston, MA

“I view therapy as a meaningful investment in yourself, a time dedicated to understanding your feelings, deepening your connection with yourself, and fostering personal growth.”

ADD/ADHD, Anxiety, Depression, Family Issues,

Direct, Empowering, Warm

Accepts Aetna, United Healthcare, Cigna,

View profile and book

Teresa Schrader

Psychiatric Mental Health NP

Virtual • Massachusetts

“I'm a psychiatric nurse practitioner offering collaborative telehealth care for people navigating cancer and serious illness — at any age, any stage: diagnosis, active treatment, survivorship, or grief.”

ADD/ADHD, Anxiety, Bipolar Disorder, Depression,

Affirming, Holistic, Warm

Accepts Aetna, Cigna, Carelon Behavioral Health

View profile and book

Stepfan Jones

Therapist

Virtual • East Falmouth, MA

“I place great importance on creating a safe and supportive space for my clients, and I strive to cultivate this environment in a variety of ways.”

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

Empowering, Inquisitive, Warm

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, United Healthcare,

Offers free consultationsView profile and book

Marla Ohanesian

Therapist

Virtual & in-person • 16 mi away

1501 Main Street, Tewksbury, MA

“I believe the client and therapist must develop trust, transparency, and open communication in order for therapy sessions to be effective.”

ADD/ADHD, Anger Management, Anxiety, Depression,

Empowering, Open-minded, Warm

Accepts Aetna, Horizon Blue Cross and Blue Shield of New Jersey, Carelon Behavioral Health,

View profile and book

Jill Lebar

Therapist

Virtual • Massachusetts

My focus is on quality of life. My work has largely been with older adults and their family members, but I work with adults of all ages. I have a Master's degree in expressive arts therapy and nearly 40 years of clinical counseling experience.

Anxiety, Depression, Family Issues, Grief or loss,

Affirming, Humorous, Warm

Accepts Aetna, United Healthcare, Cigna,

View profile and book

Jaide Wendt

Therapist

Virtual • Massachusetts

“I strive to create a therapeutic space that feels warm, inclusive, and genuinely human—one where you can show up as you are.”

ADD/ADHD, Anger Management, Anxiety, Depression,

Empowering, Humorous, Warm

Accepts Aetna, Cigna, Aetna Medicare Advantage,

Offers free consultationsView profile and book

Ashtyn Phaneuf

Therapist

Virtual • Massachusetts

“I focus on helping clients build practical coping skills to regulate emotions and manage everyday stressors more effectively.”

ADD/ADHD, Anxiety, Depression, Family Issues,

Empowering, Open-minded, Warm

Accepts Aetna, Cigna, Carelon Behavioral Health,

Offers free consultationsView profile and book

Jatnna Garcia

Therapist

Virtual • Massachusetts

“Therapy with me is a balance of compassion and clarity. I create a space where you can feel deeply supported while also being encouraged to take ownership of your growth.”

Anxiety, Depression, Family Issues, Infertility,

Empowering, Participatory, Warm

Accepts Aetna, Cigna, Carelon Behavioral Health

Offers free consultationsView profile and book

Moriah Boatright

Therapist

Virtual • Barnstable, MA

Hi! I'm so glad you're here.

I have almost 10 years of experience in the field of mental health in both outpatient and community based settings caring for both individuals and families with a diverse spectrum of needs and backgrounds.

I received my undergraduate degree in Psychology from Bridgewater State, and my Masters in Social Work from Boston University.

My experience has been in outpatient agencies, school based, community based clinical roles.

Anxiety, Bipolar Disorder, Depression, Family Issues,

Empowering, Humorous, Warm

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, United Healthcare,

Offers free consultationsView profile and book

Danielle Lawrence

Therapist

Virtual • Massachusetts

“I am here to provide the safe space and encouragement to process how your past experiences impact your present and to support you in finding solutions, healthy development, and emotional growth.”

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

Affirming, Empowering, Warm

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, United Healthcare,

Offers free consultationsView profile and book

Gary Meier

Therapist

Virtual • Massachusetts

“My goal as a therapist is to provide a safe and compassionate space where you can receive the counseling, support, and encouragement needed to navigate life's challenges.”

Anxiety, Depression, Grief or loss, LGBTQIA+,

Affirming, Holistic, Warm

Accepts Blue Cross Blue Shield of Massachusetts, Aetna

View profile and book

Dr. Edward Zadravec

Psychologist

Virtual • Concord, MA

“For nearly 30 years, I've sat with people working through challenges: relationships under strain, grief that lingers, anxiety that won't quiet, and the quiet weight of feeling stuck.”

Anger Management, Anxiety, Depression, Family Issues,

Inquisitive, Open-minded, Warm

Accepts Aetna, Harvard Pilgrim Healthcare, Providence Health Plan

Offers free consultationsView profile and book

Jamilex Del Valle

Therapist

Virtual • Massachusetts

“My approach is grounded in warmth, collaboration, and a deep respect for each person's unique story.”

Anxiety, Depression, PTSD, Trauma

Empowering, Open-minded, Warm

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

View profile and book

Melissa Hathaway

Therapist

Virtual • Foxborough, MA

“My own personal difficulties have taught me how to have compassion and patience when helping others.”

Anxiety, Grief or loss, PTSD, Substance Abuse / Addiction,

Empowering, Open-minded, Warm

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, United Healthcare,

View profile and book

Rita Asiegbunam

Psychiatric Mental Health NP

Virtual • Taunton, MA

“Rita enjoys working with a diverse population of children, adolescents, and adults, by helping them feel confident while making sure their mental health goals are met accordingly.”

ADD/ADHD, Anxiety, Bipolar Disorder, Depression,

Empowering, Holistic, Solution-oriented

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, United Healthcare,

View profile and book

Debra Holloway

Therapist

Virtual • Massachusetts

“With over two decades of experience as a licensed mental health counselor, my style is deeply rooted in treating you as a whole person—encompassing mind, body, and spirit.”

ADD/ADHD, Anxiety, Depression, Family Issues,

Empowering, Holistic, Warm

Accepts Horizon Blue Cross and Blue Shield of New Jersey, Carelon Behavioral Health, Harvard Pilgrim Healthcare,

Offers free consultationsView profile and book

Lisa Noe

Therapist

Virtual • Massachusetts

“I truly believe that healing takes place within the context of a trusting therapeutic relationship where clients feel both seen and heard.”

Anxiety, Depression, Family Issues, Maternal Mental Health,

Empowering, Participatory, Warm

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

View profile and book

Jennifer Trites

Therapist

Virtual • Massachusetts

“My approach to counseling is to use cognitive-behavioral therapy that is client driven and focuses on gaining awareness of thinking mistakes and cognitive distortions.”

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

Affirming, Humorous, Inquisitive

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

Offers free consultationsView profile and book

Aysla Soares

Therapist

Virtual • Massachusetts

“Clients can expect me to be direct, open-minded, and supportive, while also bringing a sense of humor into the work we do together.”

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

Direct, Holistic, Open-minded

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

Offers free consultationsView profile and book

Karin Raaberg

Psychiatric Mental Health NP

Virtual • Nashua, MA

I am a board-certified Psychiatric Mental Health Nurse Practitioner (PMHNP-BC) who understands the importance of providing healthcare from a holistic perspective, centered on healing the whole person (mind, body, and spirit). I am certified in working with all ages, from children to the elderly. I can help with anxiety, depression, bipolar, ADHD, ASD, and Schizo-affective disorders. My psychiatric experience includes working in acute care psychiatric hospitals as well as private practice outpatient mental health care.

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

Empowering, Open-minded, Solution-oriented

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

View profile and book

Michael Guerra

Therapist

Virtual • Massachusetts

“I know that your mind is always working hard, and that it sometimes takes slowing down and good humor, in addition to textbook interventions, to achieve the goals you are pursuing.”

ADD/ADHD, Anxiety, Depression, Grief or loss,

Inquisitive, Solution-oriented, Warm

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, United Healthcare,

Offers free consultationsView profile and book

Wisline Edouard

Therapist

Virtual • Massachusetts

“My approach is deeply collaborative and person-centered, utilizing evidence-based techniques like CBT and trauma-informed care to meet your unique needs.”

Anger Management, Anxiety, Depression, Grief or loss,

Empowering, Open-minded, Warm

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

View profile and book

Laurel Morrill

Therapist

Virtual • Harshaw, MA

“I work hard to meet people where they are at and to help them get to where they want to be in their lives, all without judgement.”

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

Challenging, Direct, Empowering

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

View profile and book

Lawrence Flynn

Therapist

Virtual • Massachusetts

“I will specially tailor our interactions, dialog, and treatment plan to meet your unique and specific needs and goals.”

ADD/ADHD, Anxiety, Depression, OCD,

Empowering, Participatory, Solution-oriented

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, United Healthcare,

View profile and book

Dr. Keith Blackwell

Therapist

Virtual • Massachusetts

“My work is grounded in compassion, respect, and a genuine belief in each person's capacity for growth.”

Anxiety, Bipolar Disorder, Depression, Family Issues,

Challenging, Humorous, Solution-oriented

Accepts Aetna, Cigna, Carelon Behavioral Health,

View profile and book

Dr. Millie Otsieno

Psychiatric Mental Health NP

Virtual • Massachusetts

“My approach is collaborative, personalized, and focused on identifying the root causes of your concerns, not just treating symptoms.”

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

Empowering, Holistic, Open-minded

Accepts Aetna, Cigna, Carelon Behavioral Health,

View profile and book

Bruneli DeGraca

Therapist

Virtual • Massachusetts

“My approach combines compassion with gentle accountability, helping you reframe unhelpful patterns, gain new perspectives, and develop the tools needed to become the best version of yourself.”

Anger Management, Anxiety, Depression, Family Issues,

Challenging, Solution-oriented, Warm

Accepts Aetna, Cigna, Aetna Medicare Advantage,

Offers free consultationsView profile and book

Melissa Bugeau

Therapist

Virtual • Nashua, MA

“My approach is collaborative and compassionate — I meet clients where they are and help them build the skills and confidence to reach meaningful goals at their own pace.”

Anxiety, Depression, Family Issues, Grief or loss,

Inquisitive, Open-minded, Warm

Accepts Aetna, Cigna, Carelon Behavioral Health,

View profile and book

Sherelle Foster

Therapist

Virtual • Massachusetts

I am a Licensed Clinical Social Worker with 25 years of experience. I've worked in state, federal and hospital settings providing a wide range of clinical services to Adults of all ages. I specialize in Mild to Moderate Anxiety, Mild to Moderate Depression, Stress Management, Corporate Burn Out, Military/Veteran Service Issues Geriatric Specialties, Interpersonal and Cultural matters.

Anxiety, Depression, Family Issues, Grief or loss,

Empowering, Open-minded, Solution-oriented

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, United Healthcare,

View profile and book

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Features

Find a therapist in Massachusetts — covered by insurance

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Frequently asked questions

Does my insurance cover therapy in Massachusetts?

How much will my therapy session cost in Massachusetts?

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

Which insurance plans does Headway accept in Massachusetts?

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 Massachusetts 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