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Find a psychiatrist in Frisco, CO — covered by insurance

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Top psychiatrists in Frisco, CO accepting new patients

Find mental health support in Frisco, Colorado across neighborhoods like Main Street, Ten Mile Canyon, and Tenmile Creek. Headway connects you with 402 licensed providers offering virtual and in-person sessions. With insurance coverage and an average savings of 75% per session, quality care is accessible.

Dr. Ijeoma Osuji

Dr. Ijeoma Osuji

Psychiatric Mental Health NP

Virtual • Denver, CO


“My expertise spans the entire spectrum of mental health conditions, including anxiety, depression, panic disorder, PTSD, bipolar, schizophrenia, personality disorders, and addictions.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Open-minded, Participatory, Warm
Accepts 8 insurance carriers

Offers free consultationsView profile and book
Fadekemi Olude

Fadekemi Olude

Psychiatric Mental Health NP

Virtual • Denver, CO


“My approach is focused on evidence-based practice helping patients use medication management to assist with processing their thoughts, feelings, and behaviors are interconnected, so that they can begin to make the targeted change.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Affirming, Empowering, Open-minded
Accepts 11 insurance carriers
Caroline Journeycake

Caroline Journeycake

Psychiatric Mental Health NP

Virtual & in-person • Evergreen, CO


“Caroline believes in a collaborative approach to mental health care, prioritizing the client's input and tailoring treatment plans to suit their individual needs and preferences.”
ADD/ADHD, Anxiety, Bipolar disorder, Depression, Eating disorders
Empowering, Open-minded, Warm
Accepts 11 insurance carriers
Husam Salih

Husam Salih

Psychiatric Mental Health NP

Virtual & in-person • Lakewood, CO


“My goal is not only to reduce symptoms but also to improve overall functioning, quality of life, and long-term well-being.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Direct, Energetic, Solution-oriented
Accepts 5 insurance carriers
Dieunette Omwanghe

Dieunette Omwanghe

Psychiatric Mental Health NP

Virtual • Colorado


“I do not treat patients as a number but as a person and aim for a collaborative, individualized, holistic care model.”
ADD/ADHD, Anxiety, Bipolar disorder, Depression, Maternal mental health
Holistic, Open-minded, Solution-oriented
Accepts 11 insurance carriers
Dr. Raul Padilla

Dr. Raul Padilla

Psychiatric Mental Health NP

Virtual • Colorado


Stimulants, Suboxone and Benzodiazepines are prescribed in this practice with DEA guidelines. Dr. Padilla is a Doctor of Nursing Practice from the New York tri-state area and has over 30 years of experience in healthcare. He treats children from 6 years old through adulthood, focusing on psychiatric medication management. He specializes in mental health and has extensive experience in the field of psychiatry. Dr. Padilla takes a “start low and go slow” approach to prescribing, paying special attention to medication potency and potential interactions with other medications prescribed by other providers. Dr. Padilla earned his Doctorate in Clinical Practice Nursing from Rutgers University–New Brunswick. He also holds bachelor’s degrees from Rutgers, The State University of New Jersey, and the University of Miami, as well as an associate’s degree from Bergen Community College.

ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Cultural & ethnic issues
Empowering, Holistic, Open-minded
Accepts 7 insurance carriers
Dr. Sandrine Kaze

Dr. Sandrine Kaze

Psychiatric Mental Health NP

Virtual • Colorado


“My goal is to partner with you to achieve the best possible health outcomes through evidence-based, and compassionate care.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Empowering, Open-minded, Solution-oriented
Accepts 5 insurance carriers
Dr. Samuel Garcia

Dr. Samuel Garcia

Psychiatric Mental Health NP

Virtual • Colorado


“I believe the best care comes from a collaborative partnership. I take the time to understand your unique experiences, listen without judgment, and work with you to create a treatment plan that aligns with your goals.”
ADD/ADHD, Anxiety, Bipolar disorder, Depression, Eating disorders
Humorous, Open-minded, Warm
Accepts 8 insurance carriers
Dr. Denise Daly-Stennis

Dr. Denise Daly-Stennis

Psychiatric Mental Health NP

Virtual • Colorado


Dr. Daly-Stennis DNP, PMHNP-BC has been a dedicated board-certified nurse practitioner for the past 19 years. She treats each person with dignity and respect while assisting them through life’s difficulties. She specializes in prescribing medications for adults with all psychiatric disorders and individual psychotherapy with a warm spiritual psychodynamic approach.

Anxiety, Bipolar disorder, Chronic conditions, Cultural & ethnic issues, Depression
Affirming, Holistic, Warm
Accepts 9 insurance carriers
Ebelechukwu Ekwenugo

Ebelechukwu Ekwenugo

Psychiatric Mental Health NP

Virtual • Colorado


“I became a psychiatric provider because I am passionate about helping people feel heard, supported, and empowered to improve their quality of life.”
ADD/ADHD, Anxiety, Bipolar disorder, Depression, Grief or loss
Empowering, Holistic, Open-minded
Accepts 11 insurance carriers
Laura Smith

Laura Smith

Psychiatric Mental Health NP

Virtual • Colorado


I have been a practicing Psychiatric Mental Health Nurse Practitioner for five and a half years. Before becoming an NP, I was a psychiatric nurse for seven years, where I worked in in-patient and residential facilities. I worked as a Director of Nursing and am also currently an associate medical director of nursing at a community mental health center. I have experience working with adults struggling with depression, anxiety, bipolar disorders, schizophrenia, ADHD, and more.

ADD/ADHD, Anxiety, Bipolar disorder, Depression, OCD
Creative, Participatory, Warm
Accepts 7 insurance carriers

Offers free consultationsView profile and book
Angelique Baca

Angelique Baca

Psychiatric Mental Health NP

Virtual • Colorado


“I believe mental health care should never feel rushed. My goal is to create a welcoming space where you can openly discuss your concerns, ask questions, and work together on a treatment plan that fits your unique needs.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Cultural & ethnic issues
Challenging, Holistic, Warm
Accepts 8 insurance carriers
Giovanna Skylar

Giovanna Skylar

Psychiatric Mental Health NP

Virtual • Colorado Springs, CO


I am a double board-certified Psychiatric–Mental Health Nurse Practitioner with over 20 years of experience across the continuum of psychiatric care, including acute psychiatric emergencies, inpatient and outpatient psychiatry, geriatric mental health, intellectual and developmental disability services, and healthcare management. I hold a Master of Science in Nursing (MSN) and am currently completing my Doctorate, reflecting my ongoing commitment to clinical excellence, evidence-based practice, and lifelong learning.

Throughout my career, I have worked with individuals and families navigating a wide range of psychiatric conditions, from situational anxiety and depression to severe and persistent mental illness. My clinical experience includes extensive work with schizophrenia and psychotic disorders, bipolar disorder, major depressive disorder, generalized anxiety disorder, panic disorder, obsessive–compulsive disorder (OCD), trauma-related conditions, and mood instability across the lifespan. I am particularly experienced in caring for geriatric patients, individuals with intellectual and developmental disabilities, and patients with complex medication regimens requiring careful evaluation, simplification, and long-term stabilization.

I also work closely with college-aged patients and adults who are navigating academic pressure, career transitions, family dynamics, identity development, and the cumulative stressors that can emerge during periods of high responsibility or change. Many of my patients are high-functioning individuals who appear “put together” on the outside but struggle internally with anxiety, rumination, intrusive thoughts, emotional dysregulation, or burnout. Others are managing chronic psychiatric illness while striving to maintain independence, relationships, and quality of life.

ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Direct, Solution-oriented, Warm
Accepts 6 insurance carriers
Thelma Baah

Thelma Baah

Psychiatric Mental Health NP

Virtual • Colorado


“I create a warm, welcoming space where you're truly seen and heard — no judgment, no one-size-fits-all answers.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Empowering, Solution-oriented, Warm
Accepts 7 insurance carriers
Adrian Nwosu

Adrian Nwosu

Psychiatric Mental Health NP

Virtual • Denver, CO


“My approach to care is supportive, collaborative, and centered around understanding you as a whole person.”
Anger management, Anxiety, Bipolar disorder, Chronic conditions, Cultural & ethnic issues
Inquisitive, Open-minded, Warm
Accepts 5 insurance carriers
Risikat Sanusi

Risikat Sanusi

Psychiatric Mental Health NP

Virtual & in-person • Aurora, CO


“Her commitment to you is unwavering- to uphold the highest standards of care, deliver personalized care, result-driven solutions, and nurture positive relationships with every individual that she meets.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Holistic, Open-minded, Solution-oriented
Accepts 12 insurance carriers
Dr. Tracie Johnson-Wagner

Dr. Tracie Johnson-Wagner

Psychiatric Mental Health NP

Virtual • Colorado


My priority is to provide a safe, compassionate, and non-judgmental space where you feel heard, respected, and supported. With over 40 years in healthcare—including service as a former Navy Nurse Corps Officer and retired military veteran—I bring values of resilience, trust, and teamwork into every therapeutic relationship. I view care as a partnership and work to empower you to take an active role in your mental health.

Clinical Focus & Services

I provide pharmacotherapy (medication management) motivational interviewing, and other therapeutic modalities. We can assess during the first meeting if your treatment requires additional therapeutic support. I will provide a referral to a licensed therapist to ensure you receive comprehensive care. My practice supports:

  • ADHD (I am an ADHD Certified Clinical Support Provider)
  • College students with focus/concentration concerns,school overload, or interrelationship difficulties
  • OCD
  • Anxiety & Stress
  • Panic Disorder
  • Social Anxiety Disorder
  • Trauma
  • Mild to Moderate Depression
  • Interrelationship issues
  • Smoking cessation
  • Gambling addiction
  • Shop lifting addiction
  • Smoking Cessation
  • Alcohol Addiction
ADD/ADHD, Anger management, Anxiety, Chronic conditions, Cultural & ethnic issues
Empowering, Holistic, Warm
Accepts 7 insurance carriers

Offers free consultationsView profile and book
Dr. Noelle Dilgarde

Dr. Noelle Dilgarde

Psychiatric Mental Health NP

Virtual • Greenwood Village, CO


“With a warm, compassionate, and non-judgmental approach, I rely on the latest clinical evidence to collaborate with you in creating a comprehensive and unique treatment plan that aligns with your life circumstances, values, and goals.”
ADD/ADHD, Anxiety, Bipolar disorder, Depression, PTSD
Holistic, Open-minded, Warm
Accepts 10 insurance carriers
Risikat Lawal

Risikat Lawal

Psychiatric Mental Health NP

Virtual • Colorado


“My goal is to remove the fear and stigma around psychiatric medications and treatments, while making you feel comfortable, supported, and empowered to take charge of your mental health.”
Anxiety, Bipolar disorder, Depression
Empowering, Open-minded, Solution-oriented
Accepts 7 insurance carriers
Dr. Stella Adebusoye

Dr. Stella Adebusoye

Psychiatric Mental Health NP

Virtual • Colorado


“Her goal is to improve patient access to mental health care and education. The mission is to collaborate with the client in development of a treatment plan.”
Anxiety, Bipolar disorder, Depression, Eating disorders, Grief or loss
Empowering, Holistic, Warm
Accepts 6 insurance carriers
Faiza Haque

Faiza Haque

Psychiatric Mental Health NP

Virtual • Colorado


“She believes that our lifestyle, including dietary choices and exercise habits, has a significant impact on our well-being as a proponent of preventative care.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Empowering, Holistic, Solution-oriented
Accepts 8 insurance carriers
Tyler Higaki

Tyler Higaki

Psychiatric Mental Health NP

Virtual • Colorado


“I take time to get to know you beyond your symptoms, and I believe the strongest path forward starts with good rapport, honest conversation, and a plan that fits your actual life.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Cultural & ethnic issues
Holistic, Open-minded, Solution-oriented
Accepts 7 insurance carriers
America Gomez

America Gomez

Psychiatric Mental Health NP

Virtual • Colorado


“My approach to care is collaborative and patient-centered. I believe in listening closely to understand each person's unique experiences and goals...”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Affirming, Empowering, Open-minded
Accepts 8 insurance carriers
Ramona Logue

Ramona Logue

Psychiatric Mental Health NP

Virtual • Colorado


“My approach is participatory, direct, and empowering—I listen closely, explain things clearly, and work with you to create a treatment plan that feels realistic, structured, and aligned with your goals.”
ADD/ADHD, Anxiety, Bipolar disorder, Depression, Grief or loss
Direct, Empowering, Participatory
Accepts 9 insurance carriers

Offers free consultationsView profile and book
Shaquitia J

Shaquitia J

Psychiatric Mental Health NP

Virtual • Colorado


“My approach to mental health and psychiatric treatment is rooted in compassion, understanding, and empathy.”
Anger management, Anxiety, Bipolar disorder, Chronic conditions, Depression
Affirming, Direct, Solution-oriented
Accepts 4 insurance carriers
Jennifer Jost

Jennifer Jost

Psychiatric Mental Health NP

Virtual • Colorado


“I conduct an initial comprehensive assessment while using evidence based practice to make diagnoses.”
ADD/ADHD, Anxiety, Bipolar disorder, Chronic conditions, Depression
Empowering, Solution-oriented, Warm
Accepts 12 insurance carriers
Dr. Lynne Jacobson

Dr. Lynne Jacobson

Psychiatric Mental Health NP

Virtual • Colorado


Like many, I live in and love the state of Colorado. Any chance I get I'm out exploring the outdoors. It provides balance in my personal and professional life.

As a dual-certified Family and Psychiatric Nurse Practitioner I share my interests with clients I see.

When I was working full-time as a Family Nurse Practitioner I saw an unmet need in clients finding a balance in their physical and mental health. I decided to return to school to strengthen my knowledge in psychiatric mental health care.

For the past five years my focus has included seeing clients with substance dependence, MAT treatment, ADHD, Major Depressive Disorder, Bipolar Disorder and Schizophrenia. I especially enjoy the 1:1 experience via telehealth seeing clients in the comforts of their own home.

ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Empowering, Open-minded, Warm
Accepts 7 insurance carriers
Dr. Tewoldebirhan Keresemo

Dr. Tewoldebirhan Keresemo

Psychiatric Mental Health NP

Virtual & in-person • Aurora, CO


“I focus on creating a safe space where clients feel heard and supported while we work together to build coping skills, strengthen resilience, and make meaningful progress.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Empowering, Holistic, Warm
Accepts 7 insurance carriers

Offers free consultationsView profile and book
Tracy Moore

Tracy Moore

Psychiatric Mental Health NP

Virtual • Colorado


Hi, I’m Tracy, I'm a board-certified Psychiatric Mental Health Nurse Practitioner (PMHNP-BC) with over 22 years of experience in nursing and mental health care. I provide compassionate, individualized treatment for children, teens, and adults who are navigating anxiety, depression, trauma, ADHD, bipolar disorder, life transitions and other mental health illnesses. I have a passion for supporting individuals experiencing anxiety, panic attacks and social isolation.

I take a holistic, patient centered approach to care, which means I look beyond just the symptoms. I consider the whole person, mind, body, and spirit because I believe true healing comes from addressing every part of who we are. That might include medication, lifestyle changes, therapy support, or simply having a safe space to talk and be heard. There’s no one-size-fits-all plan here; together, we’ll find what works best for you.

I earned my Bachelor’s and Master’s degrees in Nursing from Jacksonville University and completed a Post-Master’s Certificate in Psychiatry at St. Thomas University. I’m currently working toward my Doctorate of Nursing Practice (DNP) at St. Thomas University, which allows me to stay up to date with the latest research and continue improving how I serve my clients.

Over the years, I’ve worked in inpatient hospitals, outpatient settings, and telehealth environments, giving me a broad understanding of how mental health shows up in different stages and spaces of life. No matter where you are on your journey, my goal is to meet you with empathy, honesty, and a genuine desire to help.

If you're looking for a supportive, nonjudgmental space to explore your mental health and take steps toward healing, I'm here for you. Let’s work towards getting your life back and navigating your future. Healing is possible, and I’m here to walk with you through it.

ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Empowering, Open-minded, Warm
Accepts 6 insurance carriers
Esther Migongo

Esther Migongo

Psychiatric Mental Health NP

Virtual • Denver, CO


“My practice is rooted in a holistic and integrative approach — blending evidence-based psychiatric care with lifestyle, and trauma-informed strategies that support the whole person.”
Anxiety, Bipolar disorder, Depression, OCD, PTSD
Empowering, Holistic, Warm
Accepts 5 insurance carriers

Offers free consultationsView profile and book
Festus Obonna

Festus Obonna

Psychiatric Mental Health NP

Virtual • Denver, CO


“I am empathetic and professionally driven, paying close attention to your unique needs in terms of mental health to assist you in overcoming challenges and achieving mental well-being.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Open-minded, Solution-oriented, Warm
Accepts 9 insurance carriers
Jaimie Dirks

Jaimie Dirks

Psychiatric Mental Health NP

Virtual • Loveland, CO


Greetings!

I practice integrative psychiatry, emphasizing holistic approaches and stressing inclusivity. I have been an advanced practice nurse for 9 years, specializing in psychiatry for the past 4. I specialize in depression, PTSD, anxiety and ADHD, am comfortable providing care across the lifespan, and am very supportive of the LBGTQIA+ communities.

ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Affirming, Holistic, Solution-oriented
Accepts 4 insurance carriers
Marrisa Montano-White

Marrisa Montano-White

Psychiatric Mental Health NP

Virtual • Greenwood Village, CO


“I have a unique professional journey that has fueled my passion for women's mental health, with a special focus on reproductive and fertility-related care.”
ADD/ADHD, Anxiety, Bipolar disorder, Depression, Infertility
Open-minded, Solution-oriented, Warm
Accepts 11 insurance carriers
Ingram Baylark

Ingram Baylark

Psychiatric Mental Health NP

Virtual • Colorado


Hi, I am a Psychiatric Mental Health Nurse Practitioner. I enjoy helping clients reach their full potential.

ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Empowering, Open-minded, Solution-oriented
Accepts 4 insurance carriers
Marrisa Montano-White

Marrisa Montano-White

Psychiatric Mental Health NP

Virtual • Greenwood Village, CO


“I have a unique professional journey that has fueled my passion for women's mental health, with a special focus on reproductive and fertility-related care.”
ADD/ADHD, Anxiety, Depression, Infertility, Maternal mental health
Participatory, Solution-oriented, Warm
Accepts 9 insurance carriers
Geofrey Kosgei

Geofrey Kosgei

Psychiatric Mental Health NP

Virtual • Colorado


“Holistic approach - I consider the holistic well-being of clients, taking into account physical, social, and environmental factors that may impact mental health.”
ADD/ADHD, Anxiety, Bipolar disorder, Depression, Eating disorders
Holistic, Open-minded, Warm
Accepts 6 insurance carriers
Sylvia Asava

Sylvia Asava

Psychiatric Mental Health NP

Virtual • Colorado


“I am passionate about helping people move through feelings of hopelessness, overwhelm, and isolation toward a more meaningful and rewarding life.”
Anxiety, Bipolar disorder, Depression, OCD, PTSD
Holistic, Open-minded, Warm
Accepts 10 insurance carriers

Offers free consultationsView profile and book
Luwam Amedie

Luwam Amedie

Psychiatric Mental Health NP

Virtual • Colorado


I am a Psychiatric-Mental Health Nurse Practitioner dedicated to delivering comprehensive, patient-centered care. I have advanced training in mental health assessment, medication management, and therapeutic support for individuals of all ages. I work with clients dealing with anxiety, depression, mood disorders, trauma-related issues, and ADHD. My goal is to create a safe and supportive environment where clients feel heard and respected.

Anxiety, Bipolar disorder, Chronic conditions, Cultural & ethnic issues, Depression
Holistic, Solution-oriented, Warm
Accepts 9 insurance carriers

Offers free consultationsView profile and book
Rose Munuve-Akinnola

Rose Munuve-Akinnola

Psychiatric Mental Health NP

Virtual • Colorado


“I listen before I offer direction. My background in family medicine and psychiatry showed me that the whole picture matters.”
ADD/ADHD, Anxiety, Bipolar disorder, Chronic conditions, OCD
Holistic, Open-minded, Participatory
Accepts 8 insurance carriers
Amy Adams

Amy Adams

Psychiatric Mental Health NP

Virtual • Buena Vista, CO


“I strive to build a strong working therapeutic relationship with my patients. I want my patients to feel that their concerns and goals are listened to and we can work on solutions together.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Holistic, Humorous, Warm
Accepts 9 insurance carriers
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About our psychiatrists serving Frisco, CO

Number of psychiatrists serving Frisco, CO
There are over 400 psychiatrists in Frisco, CO accepting new patients.
400+
Average years in practice
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6 years
Top specialties offered
Watercolor illustration of specialties
  • 99%Anxiety
  • 99%Depression
  • 90%PTSD
  • 90%Bipolar disorder
  • 87%ADD/ADHD
Insurances accepted
Watercolor illustration of insurance cards
  • 99%Aetna
  • 98%Cigna
  • 92%Carelon Behavioral Health
  • 64%Oxford
Languages spoken
Watercolor illustration of languages
  • 99%English
  • 6%Spanish
  • 3%Yoruba
  • 2%French
  • 2%Igbo
How they see their clients
Watercolor illustration of therapy session
  • 86%Online only
  • 14%In-person or online
Provider gender
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  • 82%Woman
  • 18%Man
License types
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  • 97%Advanced Practice Nurse
  • 3%Medical Doctor
Treatment approaches
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  • 95%Individual therapy
  • 17%Family therapy
  • 7%Child or adolescent therapy
  • 6%Couples therapy

Frequently asked questions

Therapy Chair

Happy patient looking away

Find the right psychiatrist for you

Headway makes it easy to find support for your mental health — from finding the right provider, to understanding costs, to scheduling with ease.

Factors to Consider When Choosing a Therapist in Frisco

Finding the right psychiatrist in Frisco starts with understanding the type of care you need. Psychiatrists can diagnose mental health conditions, prescribe medication, and provide medication management. Psychiatric mental health nurse practitioners can also prescribe and manage medication. Therapists provide talk therapy and may work with you alongside a prescriber. If you are looking for support with anxiety, depression, ADHD, bipolar disorder, OCD, or medication management, review each psychiatrist’s listed specialties, training, and approach to see who matches your needs.

Frisco is a smaller mountain community, so local in-person psychiatry options may be limited. Virtual appointments can expand your search across Colorado while keeping care accessible from Frisco, Main Street, Ten Mile Canyon, or Tenmile Creek. Psychiatric medication management visits are often shorter and less frequent than therapy sessions, though some psychiatrists also offer therapy. When comparing options, look at appointment availability, whether a free phone consultation is offered, and how each bio describes communication style, session structure, and experience with your concerns.

Psychiatric care in Frisco can be a significant expense without insurance. Using in-network insurance is one of the most reliable ways to reduce session costs and understand your out-of-pocket expense before you book. Headway helps you find psychiatrists and psychiatric mental health nurse practitioners who are accepting new patients, may take your plan, and offer clear cost estimates after your benefits are checked. You can browse profiles, compare fit, and book directly when you’re ready.

If you're already taking psychiatric medication and considering switching providers, talk to your current prescriber before changing or stopping any medication — most psychiatric medications shouldn't be stopped abruptly. Anyone experiencing thoughts of self-harm or in acute crisis should call 988 or go to the nearest emergency department rather than wait for an outpatient appointment.

1 Cost may vary based on your location, age, and insurance coverage.