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Find a therapist in Panama City, FL — covered by insurance

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People with insurance pay as low as $0 per session through Headway

Top therapists in Panama City, FL accepting new patients

Finding the right mental health provider in Panama City doesn't have to be complicated. Headway's network of 9,870 providers serves the Callaway, Southtown, and Downtown areas with flexible scheduling and virtual or in-person sessions covered by insurance, with copays typically ranging from minimal to moderate amounts.

Colleen Pagoada

Colleen Pagoada

Psychiatric Mental Health NP

Virtual & in-person • <1 mi away • Panama City, FL


“I see every patient as a whole person with their own story and individual needs and goals for treatment.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Inquisitive, Solution-oriented, Warm
Accepts 9 insurance carriers
Ben Earnest

Ben Earnest

Therapist

Virtual & in-person • 2.2 mi away • Panama City, FL


“I offer a warm and welcoming environment. I have a lot of Bob Ross stuff in my office and I try to embody that calm and collected mood that he portrayed.”
ADD/ADHD, Anxiety, Depression, Men's issues, PTSD
Inquisitive, Solution-oriented, Warm
Accepts 7 insurance carriers

Offers free consultationsView profile and book
Christy Carpenter

Christy Carpenter

Therapist

Virtual & in-person • 2.3 mi away • Panama City, FL


“Clients will learn coping skills to manage symptoms. I am a teaching therapist, in that, I want you to understand why you do the things you do, so that you can better understand how to make positive changes.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Affirming, Solution-oriented, Warm
Accepts 5 insurance carriers
Zachary Sutton

Zachary Sutton

Therapist

Virtual & in-person • <1 mi away • Panama City, FL


“My counseling style is direct, empathetic, and collaborative. I believe people heal best when they feel safe, understood, and empowered to participate actively in their own growth.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Direct, Empowering, Open-minded
Accepts 12 insurance carriers
Noelle Williams

Noelle Williams

Therapist

Virtual & in-person • <1 mi away • Panama City, FL


“Therapy with me is a conversation, not an interrogation. I'll meet you where you are—with compassion, honesty, and sometimes a little humor when it's needed.”
Anxiety, Chronic conditions, Depression, Family issues, Grief or loss
Holistic, Humorous, Solution-oriented
Accepts 3 insurance carriers
Jenny Natalio

Jenny Natalio

Therapist

Virtual & in-person • 5.1 mi away • Lynn Haven, FL


“I'm here to offer a warm, welcoming space where you can explore your journey, find support, and focus on growth.”
Anger management, Anxiety, Depression, Family issues, Grief or loss
Empowering, Humorous, Solution-oriented
Accepts 9 insurance carriers
Dr. Robert Fowler

Dr. Robert Fowler

Therapist

Virtual & in-person • 11 mi away • Panama City Beach, FL


With over 10 years of experience as a licensed clinical social worker, I’ve supported individuals through some of the most challenging moments in their lives—including anxiety, depression, mood disorders, and substance use.

If you’re feeling overwhelmed, stuck, or unsure where to start, you’re not alone. I provide a supportive, nonjudgmental space where we can work through what’s going on and begin finding a path forward that feels realistic and manageable.

My background in healthcare settings has given me experience working with both mental health and medical challenges, allowing me to take a more holistic view of what you’re going through.

ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Open-minded, Solution-oriented, Warm
Accepts 7 insurance carriers
Suzanne Clark

Suzanne Clark

Therapist

Virtual & in-person • 11 mi away • Panama City Beach, FL


“I offer a safe, grounded, collaborative space where your story is met with respect and without judgment.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Empowering, Participatory, Warm
Accepts 8 insurance carriers
Jennifer Cumbie

Jennifer Cumbie

Therapist

Virtual & in-person • Chipley, FL


“My approach is warm, down-to-earth, and respectful — clients describe me as easy to talk to, attentive, and genuinely supportive.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Cultural & ethnic issues
Humorous, Solution-oriented, Warm
Accepts 10 insurance carriers
Tara Oswald

Tara Oswald

Therapist

Virtual & in-person • Marianna, FL


“I believe meaningful change happens when you feel truly seen and heard, and I'm here to walk alongside you as we focus on what matters most to you.”
ADD/ADHD, Anger management, Anxiety, Depression, Family issues
Empowering, Open-minded, Warm
Accepts 6 insurance carriers
Roquel Horne-Calhoun

Roquel Horne-Calhoun

Therapist

In-person • Marianna, FL


“Using a client-centered approach (you guide the sessions toward where you want to go), I can help you process your traumatic experiences, reduce distressing symptoms, and move towards a more fulfilling life.”
Anger management, Anxiety, Cultural & ethnic issues, Depression, Family issues
Affirming, Direct, Open-minded
Accepts 8 insurance carriers

Offers free consultationsView profile and book
Deborah Brown

Deborah Brown

Therapist

Virtual & in-person • Marianna, FL


“I try to help my clients discover the root cause of their problems and help them process the issue and devise a plan to overcome the issue while building strong coping skills to prevent recurrences that interfere with functionality.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Affirming, Open-minded, Solution-oriented
Accepts 7 insurance carriers

Offers free consultationsView profile and book
Colby Kelly

Colby Kelly

Therapist

Virtual & in-person • Shalimar, FL


“My goal is to create a space where you can show up exactly as you are, without pressure or judgment and feel genuinely seen and understood.”
Anger management, Anxiety, Bipolar disorder, Cultural & ethnic issues, Depression
Empowering, Open-minded, Warm
Accepts 9 insurance carriers

Offers free consultationsView profile and book
Amanda Brunson

Amanda Brunson

Therapist

Virtual & in-person • Shalimar, FL


“Amanda is an LCSW and specializes in working with veterans and military families, offering culturally informed care tailored to their unique experiences.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Energetic, Humorous, Warm
Accepts 1 insurance carrier
Michael Hoepfl

Michael Hoepfl

Therapist

Virtual & in-person • Fort Walton Beach, FL


“You're in therapy so that you can get to a point where you won't need it anymore - and I will always do my best to get you there.”
ADD/ADHD, Anger management, Anxiety, Chronic conditions, Cultural & ethnic issues
Humorous, Open-minded, Solution-oriented
Accepts 10 insurance carriers
Christiane Previlma

Christiane Previlma

Psychiatric Mental Health NP

Virtual & in-person • Port St. Lucie, FL


“I combine thoughtful medication management with practical therapy tools like CBT and trauma-informed care, always explaining the "why" so you feel informed and empowered.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Empowering, Solution-oriented, Warm
Accepts 9 insurance carriers

Offers free consultationsView profile and book
Raiza Castilloveitia

Raiza Castilloveitia

Therapist

Virtual • Florida


“I support individuals who may be facing challenges with communication, feelings of emotional disconnection, or difficulties rooted in family of origin experiences.”
Anxiety, Cultural & ethnic issues, Depression, Family issues, Grief or loss
Holistic, Open-minded, Warm
Accepts 12 insurance carriers
Erin Sheehan

Erin Sheehan

Psychiatric Mental Health NP

Virtual & in-person • Key West, FL


“Erin provides advanced specialized psychiatric care with a dual emphasis on intervention through psychotherapy and psychopharmacology.”
Anger management, Anxiety, Bipolar disorder, Chronic conditions, Depression
Direct, Inquisitive, Solution-oriented
Accepts 10 insurance carriers
Milagros Maldonado

Milagros Maldonado

Therapist

Virtual & in-person • Miami, FL


“In our work together, you can expect a safe, supportive, and nonjudgmental space where your experiences are honored and your goals matter.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Holistic, Open-minded, Warm
Accepts 8 insurance carriers

Offers free consultationsView profile and book
Trish Monahan

Trish Monahan

Therapist

Virtual • Florida


“I am focused on providing individuals the tools necessary to transition (work through) and overcome the obstacles which tend to keep them "stuck."”
Anxiety, Depression, Family issues, Grief or loss, Men's issues
Direct, Open-minded, Solution-oriented
Accepts 9 insurance carriers
Dr. Noleidy Barreto

Dr. Noleidy Barreto

Psychiatric Mental Health NP

Virtual • Jacksonville, FL


“With an assertive and compassionate approach, I am devoted to promoting healing and improving the mental health and well-being that you deserve.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Cultural & ethnic issues
Empowering, Energetic, Solution-oriented
Accepts 10 insurance carriers
Aaron Montgomery

Aaron Montgomery

Therapist

Virtual • Florida


“I take mostly a CBT approach with the mixture of other modalities, such as motivational interviewing, trauma, focused, CBT, DBT solution, focused, etc.”
ADD/ADHD, Anger management, Anxiety, Cultural & ethnic issues, Depression
Empowering, Inquisitive, Warm
Accepts 9 insurance carriers
Nagee Graves

Nagee Graves

Therapist

Virtual • Florida


“I value authenticity in the therapy room and work to create an environment where clients can speak openly without fear of judgment.”
ADD/ADHD, Anger management, Anxiety, Cultural & ethnic issues, Depression
Inquisitive, Participatory, Warm
Accepts 5 insurance carriers

Offers free consultationsView profile and book
Michelle Price

Michelle Price

Therapist

Virtual • Florida


“My style is direct, holistic and that of personal empowerment, support, openness and non-judgmental acceptance...”
Anger management, Anxiety, Bipolar disorder, Depression, Grief or loss
Empowering, Open-minded, Participatory
Accepts 7 insurance carriers
Lisa Moffett

Lisa Moffett

Therapist

Virtual • Florida


“I am a Licensed Clinical Social Worker who believes in providing a safe space to be vulnerable, so that true healing can begin.”
Anger management, Anxiety, Grief or loss, Stress management
Affirming, Creative, Empowering
Accepts 9 insurance carriers
Daniel Cox

Daniel Cox

Therapist

Virtual • Florida


I believe therapy is not about “fixing” you-It’s about empowering you. Together, we will work to uncover your strengths, clarify your goals, and build skills that support meaningful, lasting change. Whether you are feeling overwhelmed, stuck, or simply seeking personal growth, I’m here to walk alongside you in this therapeutic process.

I look forward to connecting with you.

ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Empowering, Open-minded, Solution-oriented
Accepts 7 insurance carriers
Brian Shea

Brian Shea

Therapist

Virtual • Florida


“I'm an engaged therapist — someone who listens deeply, asks thoughtful questions, and works alongside you to create meaningful change.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Energetic, Humorous, Solution-oriented
Accepts 4 insurance carriers
Eboni Coombs

Eboni Coombs

Therapist

Virtual • Florida


“My priority is to create a space where you feel both safe and brave — a space where you can share your thoughts, feelings, and experiences without fear of judgment.”
ADD/ADHD, Anger management, Anxiety, Depression, Family issues
Affirming, Open-minded, Solution-oriented
Accepts 8 insurance carriers
Charlene Crace

Charlene Crace

Therapist

Virtual • Florida


“I believe therapy should feel human, practical, and tailored to your real life, and I value building strong rapport so you feel comfortable being fully yourself in the room.”
Anxiety, Depression, End of life care, Grief or loss, Identity issues
Open-minded, Solution-oriented, Warm
Accepts 10 insurance carriers

Offers free consultationsView profile and book
Jaylen Payne

Jaylen Payne

Psychiatric Mental Health NP

Virtual • Apollo Beach, FL


“From your very first visit, patients can expect a warm, welcoming environment where they feel heard, respected, and genuinely cared for.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Empowering, Holistic, Warm
Accepts 5 insurance carriers
Daniela Silva

Daniela Silva

Therapist

Virtual & in-person • Vero Beach, FL


I am a licensed mental health counselor with a combined seven years of experience in the mental health field (including three years of clinical supervisory experience), where I have been providing care to clients in multiple agencies throughout the state of Florida, utilizing clinical models to improve patient care and drive positive clinical outcomes. I have worked with diverse client populations and multiple diagnoses (anxiety, depression, PTSD, bipolar disorders, etc.) throughout the years, including serving young children through older adults.

ADD/ADHD, Anger management, Anxiety, Cultural & ethnic issues, Depression
Affirming, Empowering, Holistic
Accepts 8 insurance carriers
Allie Herman

Allie Herman

Therapist

Virtual • Florida


“I believe therapy should feel like an actual partnership. Together, I want to explore with you the challenges you're facing.”
Anxiety, Bipolar disorder, Depression, Identity issues, LGBTQIA+
Affirming, Humorous, Warm
Accepts 4 insurance carriers

Offers free consultationsView profile and book
Giulia Dias Roncoletta

Giulia Dias Roncoletta

Therapist

Virtual • Coral Gables, FL


“I have also been on the other side of the chair for many years. After many years of doing therapy myself, I developed a lot of awareness and accountability.”
Anxiety, Cultural & ethnic issues, Depression, Family issues, Identity issues
Empowering, Holistic, Open-minded
Accepts 8 insurance carriers
Sabrina Duong

Sabrina Duong

Therapist

Virtual • Florida


“People take away from sessions a better understanding of neurobiology and fight flight response, tools to decrease and improve their symptoms.”
ADD/ADHD, Anxiety, Depression, Grief or loss, PTSD
Direct, Holistic, Warm
Accepts 8 insurance carriers
Emma Huber

Emma Huber

Therapist

Virtual • Florida


“Not the Instagram version of healing, but real change that lets you actually be yourself, build authentic relationships, and finally put down some of that weight you've been carrying.”
Anxiety, Chronic conditions, Cultural & ethnic issues, Depression, Family issues
Affirming, Holistic, Humorous
Accepts 8 insurance carriers

Offers free consultationsView profile and book
Michelle Camp

Michelle Camp

Therapist

Virtual & in-person • Orlando, FL


“Ultimately, my goal when working with you is to help you learn more about yourself, challenge yourself, and feel better while reaching your full potential.”
Anxiety, Depression, Identity issues, LGBTQIA+, Panic disorders
Empowering, Solution-oriented, Warm
Accepts 13 insurance carriers

Offers free consultationsView profile and book
Dorjan Kraja

Dorjan Kraja

Therapist

Virtual • Florida


If you've been in therapy before and felt like sessions were either too heavy or too surface-level, you might be looking for something different. I'm a bilingual English and Albanian-speaking Licensed Mental Health Counselor with more than 15 years of experience. I help people process past trauma and how it shapes day-to-day life, while working through current challenges at the same time. I keep sessions fun and informative while honoring the incredibly somber and difficult experiences you've had — and I hope to help you change the way you want to chang

Anxiety, Bipolar disorder, Chronic conditions, Depression, PTSD
Humorous, Inquisitive, Solution-oriented
Accepts 5 insurance carriers

Offers free consultationsView profile and book
Cara Lewis

Cara Lewis

Therapist

Virtual • Florida


“I like to utilize many approaches as I find individuals each have unique needs. In session I will take on the role of listener, educator, & master questioner as it is often through insightful questions you will find the answers that are already...”
Anger management, Anxiety, Family issues, Grief or loss, Maternal mental health
Creative, Open-minded, Warm
Accepts 11 insurance carriers
Marisol Shelton

Marisol Shelton

Psychiatric Mental Health NP

Virtual & in-person • St. Petersburg, FL


“I specialize in psychiatric medication management and understand that finding the right balance is a delicate process.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Empowering, Open-minded, Warm
Accepts 9 insurance carriers
Marina Yudis

Marina Yudis

Psychiatric Mental Health NP

Virtual • Florida


“I believe in building trusting therapeutic relationship and tailoring treatment plans to each individual's unique needs, goals, and values.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Energetic, Solution-oriented, Warm
Accepts 7 insurance carriers
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About our therapists serving Panama City, FL

Number of therapists serving Panama City, FL
There are over 9,849 therapists in Panama City, FL accepting new patients.
9,849+
Average years in practice
Watercolor illustration of a bookshelf
9 years
Top specialties offered
Watercolor illustration of specialties
  • 97%Anxiety
  • 92%Depression
  • 88%Stress management
  • 78%Relationship issues
  • 77%Trauma
Insurances accepted
Watercolor illustration of insurance cards
  • 99%Aetna
  • 91%Cigna
  • 86%Carelon Behavioral Health
  • 62%Ascension
  • 46%United Healthcare
Languages spoken
Watercolor illustration of languages
  • 98%English
  • 19%Spanish
  • 2%Haitian Creole
  • 1%French
  • 1%Portuguese
How they see their clients
Watercolor illustration of therapy session
  • 86%Online only
  • 14%In-person or online
Provider gender
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  • 83%Woman
  • 16%Man
License types
Watercolor illustration of license
  • 39%Licensed Mental Health Counselor
  • 26%Licensed Clinical Social Worker
  • 8%Licensed Mental Health Counselor
  • 8%Advanced Practice Registered Nurse
  • 6%Licensed Clinical Social Worker
Treatment approaches
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  • 100%Individual therapy
  • 34%Family therapy
  • 25%Couples therapy
  • 16%Child or adolescent therapy

Frequently asked questions

Therapy Chair

Happy patient looking away

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 Panama City

Searching for therapists in Panama City starts with finding someone whose training matches what you want help with. You may be looking for support with anxiety, depression, grief, relationship challenges, stress, or a life transition. As you compare therapists, look at the specialties listed in their profiles and how they describe their approach. Some therapists focus on cognitive behavioral therapy, trauma-informed care, family therapy, or other methods that may fit your goals.

In a smaller market like Panama City, local appointment options may be more limited than in larger Florida cities. Virtual sessions can expand your choices while still connecting you with a therapist licensed in Florida. As you narrow your search, consider appointment times, whether the therapist is accepting new patients, and whether they offer a free phone consultation. Reading bios before you book can help you understand a therapist’s communication style, session structure, and experience with concerns like yours.

Therapy in Panama City can be a significant investment without insurance. Using in-network insurance is one of the most reliable ways to reduce session costs. Headway helps you search for therapists who accept a wide range of insurance plans, see estimated out-of-pocket costs before booking, and choose between virtual and in-person care when available. You can review profiles, compare fit, and book directly when you’re 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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1 Cost may vary based on your location, age, and insurance coverage.