Find a therapist in San Luis Obispo, CA — covered by insurance


Top therapists in San Luis Obispo, CA accepting new patients
Mental health support in San Luis Obispo is accessible through Headway's network of 8,395 licensed providers offering virtual and in-person sessions. With over 70+ insurance plans accepted nationally and copays estimated between $0-50 per session, care in neighborhoods like Downtown, Foothill, and Laguna Lake is affordable and flexible. Providers specialize in talk therapy and medication management across conditions including anxiety, depression, and more.
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.
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.
I’m a Board-Certified Psychiatric Mental Health Nurse Practitioner who believes mental health care should feel human—not rushed or impersonal.
I provide a non-judgmental space where you can speak openly and feel understood. My approach integrates thoughtful medication management with psychotherapy when appropriate, always tailored to your individual needs.
Diagnosis can be an important part of understanding your experience, but it’s only one piece of the picture. I look at your mental, physical, and emotional well-being, as well as the life experiences that shape what you’re going through.
I offer collaborative, grounded care to help you move toward a more balanced, integrative, and holistic sense of well-being.
I am a licensed therapy who works with adults navigating depression, anxiety, trauma, grief, and life transitions. I bring a thoughtful, compassionate approach to therapy and prioritize creating a space where clients feel safe, understood, and supported. I believe therapy should feel collaborative and human—not rushed or judgmental. My goal is to help you feel more connected to yourself while building insight and tools that support meaningful, lasting change.
About our therapists located within 20 miles of San Luis Obispo, CA



- 95%Anxiety
- 91%Trauma
- 91%Depression
- 86%Relationship issues
- 82%Grief or loss

- 100%Aetna
- 55%Cigna
- 50%Anthem Blue Cross California
- 50%Carelon Behavioral Health
- 41%United Healthcare

- 95%English
- 5%Spanish

- 95%In-person or online
- 5%In-person only

- 77%Woman
- 23%Man

- 82%Licensed Marriage/Family Therapist
- 9%Licensed Clinical Social Worker
- 5%Licensed Professional Clinical Counselor
- 5%Nurse Practitioner

- 95%Individual therapy
- 23%Child or adolescent therapy
- 18%Couples therapy
- 18%Family 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 San Luis Obispo, CA
Searching for therapists in San Luis Obispo starts with knowing what kind of support you want. Therapists can help with concerns like anxiety, depression, grief, relationship challenges, life transitions, and stress. As you compare options, look for a therapist whose listed specialties, training, and approach match what you want to focus on. Bios can also show whether a therapist uses approaches such as cognitive behavioral therapy, dialectical behavior therapy, trauma-informed care, or relationship-focused care.
In a smaller city like San Luis Obispo, local appointment options may be more limited than in larger California markets. Virtual therapy can expand your search while still letting you work with a therapist licensed in California. You may also want to compare appointment availability, whether a therapist is accepting new patients, and whether a free phone consultation is offered. Reading profiles before booking can help you understand each therapist’s communication style, session structure, and areas of focus.
Therapy in San Luis Obispo can be a significant expense without insurance. Using in-network insurance is one of the most reliable ways to reduce session costs and understand what you may pay before care begins. Headway helps you find therapists who match your preferences, accept a wide range of insurance plans nationally, and offer clear cost estimates before you book. You can browse therapists in San Luis Obispo, review bios, and book directly when you’re ready.
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