Skip to main content
Headway

Find a psychiatrist in Houston, TX — covered by insurance

Therapist and patient in a therapy session
Calculator Illustration
Get a cost estimate
People with insurance pay as low as $0 per session through Headway

Top psychiatrists in Houston, TX accepting new patients

Access therapy and medication management support across Houston through Headway's network of 960 providers. From Pearland areas to inner-city neighborhoods, find warm and solution-oriented providers with open availability. Many insurance plans are accepted to keep your sessions affordable.

Oluchi Chukwurah

Oluchi Chukwurah

Psychiatric Mental Health NP

Virtual • Texas


“My approach involves holistic, patient-centered mental health care, crafting personalized plans that consider physical, emotional, and social well-being.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Open-minded, Solution-oriented, Warm
Accepts 10 insurance carriers
Adekitan Aderoju

Adekitan Aderoju

Psychiatric Mental Health NP

Virtual • McKinney, TX


“I am passionate about listening to each client's unique story and creating personalized, holistic plans of care.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Holistic, Solution-oriented, Warm
Accepts 9 insurance carriers
Kouhede Sossou

Kouhede Sossou

Psychiatric Mental Health NP

Virtual • Texas


“My nursing background has shaped a holistic, patient-centered approach to care. I combine careful assessment, thoughtful medication management, education, and supportive care...”
ADD/ADHD, Anxiety, Cultural & ethnic issues, Depression, Family issues
Empowering, Holistic, Open-minded
Accepts 8 insurance carriers
Dr. Lynwood Carlton

Dr. Lynwood Carlton

Psychiatric Mental Health NP

Virtual • Texas


“I am a compassionate and empathetic listener. When therapy alone is not sufficient, I can provide you with medication support as well.”
ADD/ADHD, Anxiety, Depression, Men's issues, Relationship issues
Affirming, Humorous, Solution-oriented
Accepts 11 insurance carriers
Dadakpoye Johnson

Dadakpoye Johnson

Psychiatric Mental Health NP

Virtual • Texas


“Passionate about helping individuals navigate anxiety, depression, trauma, and other mental health concerns, I offer empathetic, evidence-based support tailored to each patient's needs.”
ADD/ADHD, Anxiety, Bipolar disorder, Chronic conditions, Depression
Holistic, Open-minded, Participatory
Accepts 10 insurance carriers
Serah Mayodi

Serah Mayodi

Psychiatric Mental Health NP

Virtual • Texas


“I believe the best care starts with listening. My goal is to create a comfortable, judgment-free space where clients feel heard, understood, and supported.”
Anger management, Anxiety, Bipolar disorder, Cultural & ethnic issues, Depression
Holistic, Open-minded, Warm
Accepts 4 insurance carriers

Offers free consultationsView profile and book
Dr. Ifeoma Ogbalu

Dr. Ifeoma Ogbalu

Psychiatric Mental Health NP

Virtual • Texas


“Her practice is warm and non-judgmental while ensuring that she provides quality care with meaningful connection that enriches the mind, spirit and body.”
Anxiety, Bipolar disorder, Depression, OCD, Panic disorders
Holistic, Solution-oriented, Warm
Accepts 8 insurance carriers
Dr. Monica Dyer

Dr. Monica Dyer

Psychiatric Mental Health NP

Virtual • Austin, TX


“I believe that healing happens through connection, honesty, and safe space, and my goal is to offer care that feels grounded, collaborative, and genuinely human.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Holistic, Open-minded, Solution-oriented
Accepts 8 insurance carriers
Dr. Felix Oladejo

Dr. Felix Oladejo

Psychiatric Mental Health NP

Virtual & in-person • San Antonio, TX


“The approach to care is collaborative, practical, and individualized. Time is taken to understand each client's symptoms, life circumstances, stressors, and goals before developing a tailored treatment plan.”
ADD/ADHD, Anger management, Bipolar disorder, Chronic conditions, Cultural & ethnic issues
Holistic, Open-minded, Solution-oriented
Accepts 7 insurance carriers

Offers free consultationsView profile and book
Jessica Roseberry

Jessica Roseberry

Psychiatric Mental Health NP

Virtual • Texas


Hi there. If you are struggling with anxiety, depression, focus, or any other mood symptoms, I'm here. You don't have to struggle alone. I can help you feel like yourself again. I’m a board-certified Psychiatric Mental Health Nurse Practitioner providing personalized care to children, teens, and adults. I am also dual certified as a Family Nurse Practitioner, which allows me to bring a more comprehensive, whole-person perspective to mental health care. I consider emotional, physical, and lifestyle factors to develop treatment plans that are effective and sustainable.

I specialize in the evaluation and treatment of anxiety, panic, depression, mood disorders, ADHD, and stress-related conditions. I also have experience helping individuals navigate life transitions, hormonal issues, sleep concerns, and difficulty with fatigue, focus, overthinking, motivation, and emotional regulation, including clients with chronic illnesses.

ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Open-minded, Solution-oriented, Warm
Accepts 11 insurance carriers
Olapeju Fakeye

Olapeju Fakeye

Psychiatric Mental Health NP

Virtual • Dallas, TX


“I believe in providing compassionate, patient-centered care that takes into account not just symptoms, but the whole person—your experiences, strengths, values, and goals.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Holistic, Open-minded, Warm
Accepts 10 insurance carriers
Dr. Blessing Ugbor

Dr. Blessing Ugbor

Psychiatric Mental Health NP

Virtual • Texas


“I take a collaborative, patient-centered approach to care, combining medication management with practical, supportive interventions.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Empowering, Holistic, Warm
Accepts 7 insurance carriers
Linda Akudo

Linda Akudo

Psychiatric Mental Health NP

Virtual • Texas


“I believe that trust, open-mindedness, and nonjudgmental therapeutic communication are foundational to successful treatment outcomes.”
ADD/ADHD, Anxiety, Bipolar disorder, Cultural & ethnic issues, Depression
Holistic, Open-minded, Warm
Accepts 11 insurance carriers

Offers free consultationsView profile and book
Samuel Omolade

Samuel Omolade

Psychiatric Mental Health NP

Virtual • Texas


Looking for expert telepsychiatry and online psychiatric medication management? Samz Mental Health provides compassionate, convenient, and confidential mental health care across Texas, New York, Maryland, Colorado, New Hampshire, New Mexico, Florida, Iowa, and Washington State. Our board-certified psychiatric providers specialize in treating anxiety, depression, bipolar disorder, and more—all through secure online appointments.

Serving major areas, including Austin, Texas, our behavioral health medication management clinic ensures you receive personalized care from the comfort of your home. Get started today with reliable and accessible mental health services!

📅 Book an appointment now! Same day appointment available, 9am to 9pm central time

Understanding Your Issues:

I understand that every individual is unique, and your concerns are as individual as you are. Whether you're grappling with anxiety, depression.

Anxiety, Bipolar disorder, Depression, Eating disorders, Identity issues
Holistic, Open-minded, Warm
Accepts 9 insurance carriers
Christopher Singh

Christopher Singh

Psychiatric Mental Health NP

Virtual • Texas


“I employ a holistic approach to mental health care, focusing on collaborating with patients to develop personalized treatment plans.”
Anxiety, Bipolar disorder, Depression, Eating disorders, OCD
Empowering, Holistic, Open-minded
Accepts 7 insurance carriers

Offers free consultationsView profile and book
Judith Maduh

Judith Maduh

Psychiatric Mental Health NP

Virtual & in-person • Frisco, TX


“Judy is passionate about helping her clients (Children, Adolescents, Adults), achieve their full potential through a well-rounded-evident mental health care.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Holistic, Solution-oriented, Warm
Accepts 12 insurance carriers
Dr. Chika Galega-Sabum

Dr. Chika Galega-Sabum

Psychiatric Mental Health NP

Virtual • Houston, TX


Dr. Chika Galega-Sabum, is a board-certified Psychiatric Mental Health Nurse Practitioner currently accepting patients aged 5 and older. She holds a Doctor of Nursing Practice (DNP) from the University of Cincinnati and has a background in psychology. Dr. Galega-Sabum specializes in Medication Management, Psychiatric Evaluations, Psychotherapy, Anxiety, ADHD, Depression, Trauma, Substance Use Disorders, Alcohol Dependency, Grief, Eating Disorders, and Survivors of Sexual, Physical, and Emotional Abuse and more. She takes a holistic, evidence-based approach, addressing both symptoms and underlying causes of mental health and substance use concerns. Committed to personalized, patient-centered care, she works closely with individuals to develop treatment plans tailored to their unique needs and lifestyles. Passionate about mental health and addiction recovery, Dr. Galega-Sabum is dedicated to empowering individuals on their path to wellness and healing.

ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Empowering, Holistic, Solution-oriented
Accepts 7 insurance carriers
F. Gary Overman

F. Gary Overman

Psychiatric Mental Health NP

Virtual • Texas


As a special needs dad, a former Spanish teacher, former school counselor (MEdSC), and nurse (MSN), I bring a broad range of experiences to my clients. As a nurse, I have worked PACU, ER, and geriatrics. My goal is to work with the client to reach their goals through the use of counseling, supplements, and medication as needed. I enjoy using belief systems as part of my counseling if desired.

Like many providers, I have worked with many clients with depression, mania, and anxiety. As a previous teacher/school counselor, I understand the impact of ADHD on the student, the classroom, the teacher, and the family.

I think it is important for prospective clients to know that I want to help both now and in the future. For this reason, there are drugs that I don't prescribe (stimulants and benzos) because of the long-lasting side effects.

My hobbies include playing the piano, singing, gardening and family.

ADD/ADHD, Anxiety, Bipolar disorder, Depression, Family issues
Direct, Holistic, Participatory
Accepts 9 insurance carriers

Offers free consultationsView profile and book
Dr. Rukhsar Ali

Dr. Rukhsar Ali

Psychiatric Mental Health NP

Virtual & in-person • 30 mi away • The Woodlands, TX


Hi, I’m Dr. Rukhsar Ali, a board-certified Psychiatric Mental Health Nurse Practitioner (PMHNP-BC). I work with children, adolescents, and adults experiencing concerns such as ADHD, anxiety, depression, trauma, mood disorders, and stress-related challenges. I earned my Doctor of Nursing Practice degree from The University of Texas Health Science Center at San Antonio and have experience providing psychiatric care across a variety of outpatient, community, and behavioral health settings. My approach is compassionate, collaborative, and personalized—I believe every person deserves to feel heard, understood, and involved in their treatment. Together, we'll create a plan that supports your goals and helps you move toward lasting wellness.

ADD/ADHD, Anxiety, Bipolar disorder, Chronic conditions, Cultural & ethnic issues
Direct, Participatory, Warm
Accepts 4 insurance carriers
Dr. Matthew Hinthorn

Dr. Matthew Hinthorn

Psychiatrist

In-person • 26 mi away • Spring, TX


“I prefer to intermix therapy with medication management, but I thoroughly believe that including a dedicated therapist is a fantastic way to maximizing care.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Creative, Open-minded, Solution-oriented
Accepts 10 insurance carriers
Maryann Matheson

Maryann Matheson

Psychiatric Mental Health NP

Virtual & in-person • 18 mi away • Houston, TX


“My goal is not only symptom reduction, but improved functioning, emotional stability, and long-term resilience.”
ADD/ADHD, Anxiety, Bipolar disorder, Chronic conditions, Cultural & ethnic issues
Inquisitive, Solution-oriented, Warm
Accepts 8 insurance carriers

Offers free consultationsView profile and book
DeAdra Jordan

DeAdra Jordan

Psychiatric Mental Health NP

Virtual • Texas


“As a Psychiatric Mental Health Nurse Practitioner with more than 20 years of psychiatric experience, I provide thoughtful, collaborative care for adults across Texas...”
Anxiety, Cultural & ethnic issues, Depression, OCD, Panic disorders
Direct, Solution-oriented, Warm
Accepts 6 insurance carriers
Neethu John

Neethu John

Psychiatric Mental Health NP

Virtual • Texas


“I am a PMHNP with strong background in mental health mainly with young adults, adults and geriatric populations.”
Anger management, Anxiety, Bipolar disorder, Depression, Eating disorders
Direct, Holistic, Warm
Accepts 10 insurance carriers
Lali George

Lali George

Psychiatric Mental Health NP

Virtual • San Antonio, TX


“I believe in treating the whole person, not just the diagnosis, and I tailor my approach to meet the unique needs of each individual patients.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Holistic, Open-minded, Solution-oriented
Accepts 5 insurance carriers

Offers free consultationsView profile and book
Dr. Angela Wooley

Dr. Angela Wooley

Psychiatric Mental Health NP

Virtual • Texas


“I believe in a wholistic approach to addressing my patient's care and concerns. Each patient is viewed on an individual basis and care will be provided based on the best clinical evidence based practice.”
ADD/ADHD, Anxiety, Bipolar disorder, Chronic conditions, Depression
Empowering, Holistic, Open-minded
Accepts 7 insurance carriers
Asari Supreme

Asari Supreme

Psychiatric Mental Health NP

Virtual • Texas


“My approach is collaborative, patient-centered, and holistic. Through virtual visits, I strive to create a supportive, nonjudgmental environment where you feel heard and understood.”
ADD/ADHD, Anger management, Anxiety, Chronic conditions, Depression
Energetic, Open-minded, Warm
Accepts 4 insurance carriers
Edewor Osevwe

Edewor Osevwe

Psychiatric Mental Health NP

Virtual • Texas


Welcome! I'm Dr. Ben Osevwe, a Doctor of Nursing Practice (DNP) and board-certified Psychiatric Mental Health Nurse Practitioner (PMHNP-BC) with more than 22 years of experience in mental health care, including over 4.5 years as a PMHNP. I founded Solid Foundation Psychiatry with one mission in mind: to provide compassionate, evidence-based, and personalized psychiatric care that empowers individuals to live healthier, more fulfilling lives.

I work with adolescents and adults ages 12 through 90, providing comprehensive psychiatric evaluations, medication management, and supportive psychotherapy. I believe that effective mental health treatment goes beyond prescribing medication. Every visit is an opportunity to listen, educate, collaborate, and develop a treatment plan that reflects your unique goals, values, and life circumstances.

My clinical interests include ADHD, depression, anxiety disorders, bipolar disorder, trauma and PTSD, autism spectrum disorder, obsessive-compulsive disorder (OCD), insomnia, mood disorders, and other psychiatric conditions. Whether you're seeking help for the first time or have struggled with symptoms for years, I strive to create a safe, respectful, and judgment-free environment where you feel comfortable sharing your concerns.

I provide both in-person psychiatric care in Pearland, Texas, serving the greater Houston area, and telepsychiatry to patients in states where I am licensed.

My philosophy is simple: Every person deserves to be heard, treated with dignity, and given the tools to thrive. I believe healing begins with a trusting relationship, open communication, and a treatment plan tailored to your individual needs.

It is a privilege to be part of your mental health journey, and I look forward to partnering with you to help you build resilience, restore hope, and achieve lasting emotional wellness.

ADD/ADHD, Anxiety, Bipolar disorder, Depression, Maternal mental health
Open-minded, Solution-oriented, Warm
Accepts 11 insurance carriers
Dr. Chimaobi Iroegbu

Dr. Chimaobi Iroegbu

Psychiatric Mental Health NP

Virtual • Texas


“Grounded in evidence and guided by empathy, Dr. Chimaobi partners with adolescents and adults to treat mood disorders, anxiety, ADHD, trauma‐related conditions, and adjustment challenges.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Humorous, Solution-oriented, Warm
Accepts 5 insurance carriers
Oluwatosin Fakorede

Oluwatosin Fakorede

Psychiatric Mental Health NP

Virtual • Texas


“I combine psychiatric medication management with therapeutic conversation, because the best outcomes come from treating the whole person.”
ADD/ADHD, Anxiety, Bipolar disorder, Depression, Diabetes
Empowering, Holistic, Open-minded
Accepts 7 insurance carriers
Chidi Obi

Chidi Obi

Psychiatric Mental Health NP

Virtual • Houston, TX


“My goal is to help you feel more in control of your mental health through a mix of supportive therapy, medication management, and practical strategies that fit your life.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Cultural & ethnic issues
Empowering, Holistic, Warm
Accepts 9 insurance carriers
Morufa Okunnu

Morufa Okunnu

Psychiatric Mental Health NP

Virtual • Texas


“I'm passionate about helping people feel heard, supported, and empowered in their mental health journey.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Holistic, Open-minded, Warm
Accepts 8 insurance carriers
Josephine Victor

Josephine Victor

Psychiatric Mental Health NP

Virtual • Texas


“I am committed to providing a supportive, nonjudgmental environment where clients feel heard, respected, and empowered in their treatment journey.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Empowering, Open-minded, Warm
Accepts 7 insurance carriers
Rebecca Opoku

Rebecca Opoku

Psychiatric Mental Health NP

Virtual • Wichita Falls, TX


My journey to becoming a psychiatric mental health provider originated from the need to provide psychiatric mental health services to all persons. I worked in an inpatient psychiatric setting for five years and decided to advance my career by obtaining my master’s degree in nursing - psychiatry. This advancement has allowed me to help others with their mental health journey. Do you need help with anxiety, depression, ADHD, psychosis, and mania? Reach out today! Your mental health is important.

ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Empowering, Open-minded, Warm
Accepts 10 insurance carriers
Kisha Chance

Kisha Chance

Psychiatric Mental Health NP

Virtual • Texas


“I strive to create a supportive, nonjudgmental space where you feel heard and involved in your treatment.”
Anxiety, Depression, Panic disorders, PTSD, Sleep disorder
Empowering, Open-minded, Solution-oriented
Accepts 9 insurance carriers
Deanna Limburg

Deanna Limburg

Psychiatric Mental Health NP

Virtual & in-person • Kilgore, TX


I bring years of experience to my work with individuals and families struggling with mental health challenges. I have worked exclusively in outpatient mental health since completing my studies, and I am deeply committed to empowering my clients to thrive. As a mother of five children - including one who passed at a young age - and a bonus child, I understand firsthand the important role that mental health plays in our overall well-being and happiness. Text or call 903-476-3585.

Anxiety, Bipolar disorder, Depression, Grief or loss, Maternal mental health
Empowering, Solution-oriented, Warm
Accepts 9 insurance carriers
Bradley Vessel

Bradley Vessel

Psychiatric Mental Health NP

Virtual • Texas


“I focus on providing an environment that is safe, comfortable, non-judgmental, and culturally sensitive.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Cultural & ethnic issues
Empowering, Energetic, Holistic
Accepts 8 insurance carriers
Catherine Malik

Catherine Malik

Psychiatric Mental Health NP

Virtual • Stafford, TX


“I use various treatment options including talk therapy, medications, and psychosocial interventions to enhance daily functioning and improve quality of life.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Open-minded, Solution-oriented, Warm
Accepts 8 insurance carriers
Pauline Kiragu

Pauline Kiragu

Psychiatric Mental Health NP

Virtual • Texas


“My goal is to help patients feel heard, supported, and empowered as we develop a clear and personalized treatment plan.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Open-minded, Solution-oriented, Warm
Accepts 8 insurance carriers
Tasha Oladipo

Tasha Oladipo

Psychiatric Mental Health NP

Virtual • Houston, TX


“My goal is to meet you at the point of your need. I am an active listener, I strive to understand your concerns, provide clarification, and answers to your questions.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Cultural & ethnic issues
Holistic, Open-minded, Warm
Accepts 4 insurance carriers
Dr. Gary Bernard

Dr. Gary Bernard

Psychiatrist

Virtual • Texas


I am double-board certified in General and Consultation-Liaison Psychiatry, with extensive experience in outpatient, inpatient and consultation practice settings, that spans civilian, military and academic milieus. I am licensed in AL, AZ, CT, FL, NY, TX.

Anger management, Anxiety, Chronic conditions, Depression, Identity issues
Inquisitive, Open-minded, Solution-oriented
Accepts 6 insurance carriers
321 - 360 of

About our psychiatrists located within 20 miles of Houston, TX

Number of psychiatrists within 20 miles of Houston, TX
There are over 37 psychiatrists in Houston, TX accepting new patients.
37+
Average years in practice
Watercolor illustration of a bookshelf
6 years
Top specialties offered
Watercolor illustration of specialties
  • 100%Depression
  • 97%Anxiety
  • 95%Bipolar disorder
  • 92%PTSD
  • 81%ADD/ADHD
Insurances accepted
Watercolor illustration of insurance cards
  • 97%Aetna
  • 97%Blue Cross and Blue Shield of Texas
  • 92%Cigna
  • 89%Oxford
  • 89%United Healthcare
Languages spoken
Watercolor illustration of languages
  • 95%English
  • 11%Hindi
  • 11%Urdu
  • 8%Gujarati
  • 5%Spanish
How they see their clients
Watercolor illustration of therapy session
  • 97%In-person or online
  • 3%In-person only
Provider gender
Watercolor illustration of gender identity
  • 73%Woman
  • 27%Man
License types
Watercolor illustration of license
  • 68%Advanced Practice Nurse
  • 22%Advanced Practice Registered Nurse - Certified Nurse Practitioner
  • 8%Medical Doctor
  • 3%Doctor of Osteopathic Medicine
Treatment approaches
Watercolor illustration of treatment approach
  • 92%Individual therapy
  • 11%Family therapy
  • 3%Child or adolescent therapy
  • 3%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 Psychiatrist in Houston, TX

Finding the right psychiatrist in Houston starts with understanding the kind of care you need. Psychiatrists and psychiatric nurse practitioners can diagnose mental health conditions, prescribe medication, and manage medication over time. Therapists provide talk therapy and may work alongside a prescriber. If you are searching for support with anxiety, depression, attention-deficit/hyperactivity disorder, bipolar disorder, or obsessive-compulsive disorder, look for a psychiatrist whose profile lists training and experience that match your needs.

Houston has many mental health specialists across neighborhoods like Montrose, the Heights, Midtown, and the Medical Center, and the number of choices can make it harder to narrow your search. Consider whether an in-person office fits your commute or whether virtual psychiatry appointments work better with your schedule. Psychiatric medication management visits are often shorter and less frequent than therapy sessions. Some psychiatrists also offer therapy, and some people choose to work with both a therapist and a prescriber. Before booking, read psychiatrist bios to understand their specialties, appointment style, availability, and whether they offer a free phone consultation.

Psychiatric care in Houston can be a significant expense without insurance. Using in-network insurance is one of the most reliable ways to reduce session costs and see your estimated out-of-pocket cost before you book. Headway helps you search for Houston psychiatrists and psychiatric nurse practitioners who match your preferences, are accepting new patients, and may accept your plan. You can compare profiles, review appointment times, and book directly when you are 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.

Explore more psychiatrists in Texas

Use left and right arrow keys to switch tabs. Press Shift+Tab to return to the tab list from links in the selected tab.

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