Find a therapist in Encinitas, CA — covered by insurance


Top therapists in Encinitas, CA accepting new patients
Seeking mental health care in Encinitas? Our 8,400 licensed providers serve communities including Leucadia, Olivenhain, and Cardiff-by-the-Sea. Sessions are available within two weeks, with most patients saving 75% on care through insurance coverage.
Hi! I'm Olivia. I've been in therapy practice for six years, and am grateful for the opportunity to get to know you! As a queer and neurodivergent person, my career as a therapist has always moved in tandem with my commitment to social and economic justice. My work has taken me to settings with folks experiencing homelessness in South Los Angeles; with justice-involved adults in treatment court diversion programs in San Francisco's Tenderloin neighborhood; in young adult shelters for art therapy groups; with low-income immigrant parents of young children; and with teens and young adults with significant trauma histories.
Through all my roles I always commit to centering community and individual strengths that help arm my clients with the tools necessary to repel various types of systemic violence and oppression. I believe that therapy is inherently political because being human is political.
I hold a Master’s degree in Clinical Psychology from Antioch University, Santa Barbara, California. My practice blends both psychological approach as well as eastern wisdom. With a diverse background of professional and life experiences, I bring empathy, warmth, and a solution-focused mindset to my clients. My goal is to help clients alleviate suffering, boost their productivitiy, and enhance well-being.
My clients describe me as relatable, supportive, and easy to open up to. As a first-generation Latina and part of the same generation as many of my clients, I understand the unique pressures young adults face—from family expectations to finding your own path—and I’m here to help you navigate it all with empathy and real-world perspective.
I was always drawn to people who went unseen or unheard. Others told me I had a calm voice and that they could tell me anything. That led to a lifelong study of how people free themselves from their own patterns, later deepened by psychoanalysis and professional work in eating disorders, addiction treatment, and managed care settings like Kaiser.
Hello, I'm Dr. Judy C Kelly, PsyD, LMFT. I'm a licensed marriage and family therapist in California with over ten years of experience working with teens, adults and couples. I completed my undergraduate studies at the University of Southern California (USC), graduate studies at Argosy University and doctorate at California Southern University.
Life can feel overwhelming at times, whether you're dealing with depression, relationship challenges, parenting stress, trauma, or grief. You don't have to navigate it alone. I provide a supportive, nonjudgmental space where you can feel heard, understood, and empowered.
I’m Kait, an LCSW of 7 years and social worker for 13. I specialize in anxiety, nervous system dysregulation, and religious trauma. I work with adults who feel stuck in cycles of overthinking, hypervigilance, panic, or chronic stress.
About our therapists located within 20 miles of Encinitas, CA



- 100%Anxiety
- 91%Stress management
- 89%Relationship issues
- 89%Depression
- 77%Trauma

- 96%Aetna
- 71%Carelon Behavioral Health
- 68%Anthem Blue Cross California
- 59%Cigna
- 46%Blue Shield of California

- 98%English
- 16%Spanish
- 2%Cantonese
- 2%Farsi
- 2%French

- 96%In-person or online
- 4%In-person only

- 73%Woman
- 27%Man

- 46%Licensed Marriage/Family Therapist
- 21%Clinical Psychologist
- 20%Licensed Clinical Social Worker
- 9%Licensed Professional Clinical Counselor
- 2%Medical Doctor

- 100%Individual therapy
- 41%Family therapy
- 36%Couples therapy
- 27%Child or adolescent therapy
Frequently asked questions


Find the right therapist 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 Mental Health Therapist in Encinitas
Searching for therapists in Encinitas starts with finding someone whose training matches what you want support with. Therapists may work with concerns like anxiety, depression, grief, relationship challenges, trauma, and life transitions. As you compare Encinitas therapists, look for listed specialties, therapy approaches, and experience with your specific needs. A therapist’s bio can help you understand how they structure sessions, what concerns they often support, and whether their style feels like a good fit.
Encinitas is a smaller coastal city, so local in-person appointment options may vary by neighborhood and schedule. Virtual therapy can expand your search across licensed therapists in California while still letting you filter for someone who fits your preferences. Consider practical factors like appointment availability, whether a therapist is accepting new patients, session format, and whether a free phone consultation is offered. Reading profiles before booking can help you compare communication style, therapeutic approach, and what to expect in a first session.
Therapy in Encinitas can be a significant investment 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 find many therapists who accept insurance, are accepting new patients, and offer virtual or in-person care. You can browse therapists, review bios, check your insurance, and book directly when you’re ready.
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