Find a therapist in Lutz, FL — covered by insurance


Top therapists in Lutz, FL accepting new patients
Find mental health support in Lutz, Florida across neighborhoods like Carrollwood, Westshore, and New Tampa. Connect with 9,899 licensed providers offering virtual and in-person sessions. Headway accepts major insurance plans, with many patients paying as low as $0 per session.
Hey! My name is Terik. Im a Licensed Clinical Social Worker here in the Tampa Bay area. I utilize my personal, professional, and cultural experience to assist in the healing journey for individuals, couples, and families. Im looking for great clients who want encouragement, accountability, and growth.
I’m a Licensed Mental Health Counselor, certified in neuropsychotherapy, a Gallup-Certified Strengths Coach, certified yoga instructor, and Reiki Master — passionate about helping people grow into the fullest version of themselves. My approach blends the science of psychology and neuroscience with mindfulness, movement, and energy work to help clients rewire unhelpful patterns, lead with purpose, and live with presence.
Additionally, I am a certified Divorce Mediator, guiding couples through challenging times and working towards mutually satisfying resolutions. My expertise in Cognitive Behavioral Therapy (CBT), Mindfulness-Based Stress Reduction (MBSR), Dialectical Behavioral Therapy (DBT), and Eye Movement Desensitization and Reprocessing (EMDR) allows me to provide holistic support for clients on their journey to well-being.
I work with individuals, children, and families, helping them rebuild life skills while addressing mental health challenges. I completed my Bachelor’s in Psychology at the University of South Florida and earned my Master’s in Mental Health Counseling from Nova Southeastern University. I am bilingual in both English and Spanish, and I’ve worked extensively with Hispanic families, making me uniquely suited to address their specific needs.
My additional training includes Trauma-Focused Cognitive Behavioral Therapy (TF-CBT) and Integrative Harm Reduction Techniques, and I’m currently undergoing training in Eye Movement Desensitization and Reprocessing (EMDR).
I’m Tiffany Settles, a licensed mental health counselor based in Florida, and I’m grateful you’re here. My journey in this field began in 2005 after earning my Bachelor of Science in Psychology. I started my career as a behavioral tech in an adolescent residential program, supporting teens facing moderate to severe mental health and behavioral challenges. That experience shaped my understanding of how deeply people desire to be seen, heard, and guided with genuine care. It also inspired me to move toward one-on-one work, complete my master’s in clinical psychology, and build a therapeutic practice rooted in connection and compassion.
CJ deeply believes that a person’s past does not define their future. With a potent blend of empathy and expertise, she is passionate about helping individuals uncover their innate resilience and capacity for healing. Her approach is rooted in the belief that even the most painful histories can be transformed into sources of strength.
Having grown up in foster care, CJ brings a lived understanding of adversity—not as her reason for becoming a therapist, but as a quiet source of strength that has shaped her superpower: the ability to sit with any form of trauma without judgment or shock. Her presence is steady, compassionate, and unshakable—able to hold space for stories that are often too heavy for others to carry.
Specializing in trauma-informed and somatic therapies, CJ supports individuals, couples, and families through experiences of PTSD, anxiety, and complex trauma. Her mission is to guide clients toward a life marked by grace, growth, and resilience.
I work with individuals and couples who are functioning on the outside but feel stuck, overwhelmed, or disconnected in their relationships. I especially enjoy working with men who want a straightforward approach, couples ready for real change, and women who tend to overfunction and feel exhausted by it.
I am a licensed clinical social worker. I have worked in mental health for 10 years including substance abuse facility and private practice. I want to work with you to empower yo to navigate your emotional landscape and develop coping strategies that foster resilience and personal growth.
I believe therapy works best when clients feel safe, supported, and genuinely understood. My approach is warm, collaborative, and nonjudgmental, and I strive to create a space where clients can openly explore their thoughts, emotions, and experiences at their own pace.
I understand that reaching out for help can feel vulnerable, and I value the trust my clients place in me. I work to meet each person where they are while helping them build insight, coping skills, resilience, and confidence. I believe in balancing empathy and validation with practical tools and strategies that support meaningful and lasting change.
Clients often describe me as compassionate, approachable, calming, and easy to talk to. I utilize evidence-based approaches including CBT, DBT, mindfulness, and trauma-informed care, while tailoring treatment to each client’s individual needs and goals.
If you're feeling overwhelmed by anxiety, struggling with depression, carrying the weight of past trauma, or finding yourself stuck in relationship patterns that no longer serve you, you're not alone. Many of my clients come to therapy feeling emotionally exhausted, disconnected from themselves, or unsure how to move forward. Others are navigating grief, family challenges, relationship concerns, or major life transitions that leave them feeling disconnected from themselves.
As a Licensed Mental Health Counselor, I provide a warm, supportive space where you can openly explore your thoughts, emotions, and experiences without fear of judgment. My goal is to help you better understand what's contributing to your current struggles, build on your strengths, and develop practical tools that support healing, confidence, and meaningful change.
I am a warm and empathetic individual that has specialties in addiction, men's issues, and grief. I have a Master in Mental Health from Keiser University and have been working in my specialties for the last 5 years.
About our therapists located within 20 miles of Lutz, FL



- 97%Anxiety
- 92%Depression
- 88%Stress management
- 86%Trauma
- 78%PTSD

- 100%Aetna
- 88%Cigna
- 84%Carelon Behavioral Health
- 61%Ascension
- 58%Oscar

- 100%English
- 14%Spanish
- 1%Arabic

- 98%In-person or online
- 2%In-person only

- 83%Woman
- 17%Man

- 56%Licensed Mental Health Counselor
- 24%Licensed Clinical Social Worker
- 10%Advanced Practice Registered Nurse
- 5%Licensed Psychologist
- 4%Licensed Marriage/Family Therapist

- 100%Individual therapy
- 31%Family therapy
- 28%Couples therapy
- 22%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 Therapist in Lutz
Searching for therapists in Lutz starts with finding someone whose training matches what you want support with. You may be looking for care related to anxiety, depression, relationship challenges, grief, stress, or life transitions. As you compare therapists, look for specialties and therapy approaches that align with your needs, such as cognitive behavioral therapy, dialectical behavior therapy, trauma-informed care, or family therapy. A therapist’s profile can also show what to expect from their style, areas of focus, and session approach.
In a smaller city like Lutz, nearby in-person options may vary by neighborhood, schedule, and specialty. Virtual appointments can expand your choices across Florida while still letting you choose a therapist licensed to provide care in the state. When narrowing your search, consider whether the therapist is accepting new patients, offers appointment times that fit your calendar, and provides a free phone consultation. Reading bios before booking can help you compare communication style, experience, and whether the therapist’s approach matches what you are looking for.
Therapy in Lutz can be a significant expense without insurance. Using in-network insurance is one of the most reliable ways to reduce session costs and make ongoing care more affordable. Headway helps you search for therapists who accept a wide range of insurance plans, check your benefits, and see your estimated cost before you book. You can review therapist profiles, compare availability, and book directly when you are ready.
If anyone in your family is experiencing or worried about abuse, threats, or coercion, joint family or couples therapy usually isn't the right starting point — individual support is safer. The Childhelp National Child Abuse Hotline (1-800-422-4453) and National Domestic Violence Hotline (1-800-799-7233, or text START to 88788\) can help you think through next steps.
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