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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 9,540 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.

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.”
Anger management, Anxiety, Depression, Family issues, Grief or loss
Direct, Empowering, Solution-oriented
Accepts 7 insurance carriers

Offers free consultationsView profile and book
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
Tricia DeLuna

Tricia DeLuna

Therapist

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


“I approach therapy from a holistic point of view. Mental health, physical health, spiritual health, and communication/social support all go hand in hand...”
ADD/ADHD, Anger management, Anxiety, Depression, Family issues
Affirming, Holistic, Open-minded
Accepts 4 insurance carriers
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
Tanner Baeder

Tanner Baeder

Therapist

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


“With experience working with children, adolescent, and adult survivors of trauma, I believe it is important to understand the impact trauma has in one's life.”
ADD/ADHD, Anger management, Anxiety, Depression, Grief or loss
Affirming, Empowering, Open-minded
Accepts 10 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 7 insurance carriers
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
Kristi Srichan

Kristi Srichan

Therapist

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


“The ultimate goal is to empower and equip you with the confidence to overcome obstacles and achieve your goals.”
ADD/ADHD, Anger management, Anxiety, Depression, Family issues
Empowering, Open-minded, Warm
Accepts 11 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
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
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
Mary Lopusnak

Mary Lopusnak

Therapist

Virtual & in-person • Marianna, FL


“I am a caring & compassionate therapist who works well with individuals overwhelmed, experiencing life changes, transitions and transformations.”
ADD/ADHD, Anger management, Anxiety, Chronic conditions, Cultural & ethnic issues
Empowering, Solution-oriented, Warm
Accepts 8 insurance carriers

Offers free consultationsView profile and book
Beth Lolley

Beth Lolley

Therapist

Virtual & in-person • Marianna, FL


“Many of the people I work with are high-functioning adults who carry a lot of responsibility—at work, in relationships, or for their families—and feel stretched thin, burned out, or stuck in patterns of overthinking and self-doubt.”
Anger management, Anxiety, Depression, End of life care, Family issues
Affirming, Empowering, Open-minded
Accepts 9 insurance carriers
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
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
Belinda Morse

Belinda Morse

Therapist

Virtual • Florida


“I am a solution focused, goal oriented therapist that will help keep you on track towards what you are trying to achieve.”
Anxiety, Bipolar disorder, Depression, Grief or loss, Substance use / addiction
Affirming, Empowering, Solution-oriented
Accepts 3 insurance carriers
Danielle Duryee

Danielle Duryee

Therapist

Virtual • West Palm Beach, FL


“I believe in your inherent strength and wisdom to face challenges, and my role is to support you in harnessing these qualities with compassion and respect.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Empowering, Open-minded, Solution-oriented
Accepts 5 insurance carriers
Dr. Debbie Lang

Dr. Debbie Lang

Psychologist

Virtual • Boynton Beach, FL


“You deserve to feel heard, understood, supported, and empowered to live a life that brings you happiness, meaning, and fulfillment.”
ADD/ADHD, Anxiety, Chronic conditions, Depression, Grief or loss
Empowering, Humorous, Warm
Accepts 4 insurance carriers
Kaela Pangburn

Kaela Pangburn

Therapist

Virtual • Florida


Thank you for being here. My goal is to support people in healing the deepest, most hidden parts of themselves. This therapeutic space is for the intuitive, the deep thinkers, and the highly sensitive who have been trying to make sense of their experiences. I offer extensive knowledge and support with the following: nervous system healing, complex trauma, chronic emotional dysregulation, adverse childhood events, and relational fear/anxiety. If you are seeking support by trying to organize what feels like internal chaos, difficulty understanding experience, or are more curious to explore your identity; welcome

Anxiety, Depression, Family issues, Identity issues, Infertility
Direct, Humorous, Warm
Accepts 2 insurance carriers
Yohan Penaranda

Yohan Penaranda

Therapist

Virtual • Florida


“My approach is warm, collaborative, and culturally responsive, drawing from Structural and Strategic Family Therapy.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Cultural & ethnic issues
Creative, Direct, Energetic
Accepts 9 insurance carriers
Jonathan Fucella

Jonathan Fucella

Therapist

Virtual • Florida


“I work with adults and seniors facing exactly that: anxiety, depression, grief, PTSD, and the quieter struggles that come with facing mortality or major life transitions.”
Anxiety, Bipolar disorder, Chronic conditions, Depression, End of life care
Creative, Direct, Open-minded
Accepts 6 insurance carriers
Phillip-bernard Jeanty

Phillip-bernard Jeanty

Therapist

Virtual • Florida


“I'm a fun-loving therapist who has been working in the mental health field for the past nine years, with experience in high-acuity psychological settings and a specialization in anxiety treatment.”
ADD/ADHD, Anger management, Anxiety, Cultural & ethnic issues, Depression
Energetic, Humorous, Open-minded
Accepts 5 insurance carriers
Tania Feres

Tania Feres

Therapist

Virtual • Orlando, FL


“My goal is to create a supportive and collaborative environment where you feel safe to explore your thoughts, emotions, and experiences at your own pace.”
ADD/ADHD, Anxiety, Eating disorders, Family issues, Maternal mental health
Open-minded, Solution-oriented, Warm
Accepts 1 insurance carrier
Stacey Shane-Nusbaum

Stacey Shane-Nusbaum

Therapist

Virtual • Florida


“I draw from my my medical background to educate on brain science (e.g. neiroplasticity) and physiology of your symptoms.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Direct, Empowering, Warm
Accepts 4 insurance carriers
Gemina Rameau

Gemina Rameau

Psychiatric Mental Health NP

Virtual • Florida


“My practice is centered on creating a supportive, judgment-free space where you or your child can feel heard, understood, and empowered to move forward.”
ADD/ADHD, Anxiety, Depression, Family issues, OCD
Holistic, Participatory, Solution-oriented
Accepts 7 insurance carriers
Casine Lorenzo

Casine Lorenzo

Therapist

Virtual • Florida


“I believe therapy is more than a place to talk—it's a place to feel understood, challenged, and supported as you create the life and relationships you want.”
Anger management, Anxiety, Bipolar disorder, Depression, Family issues
Direct, Empowering, Open-minded
Accepts 4 insurance carriers
Courtney Cabrera

Courtney Cabrera

Therapist

Virtual • Florida


“Rather than simply focusing on what is happening around us, I believe our emotional triggers can provide valuable insight into what is happening within us.”
Anger management, Anxiety, Depression, Grief or loss, Panic disorders
Direct, Empowering, Solution-oriented
Accepts 5 insurance carriers

Offers free consultationsView profile and book
Renee Capanna

Renee Capanna

Therapist

Virtual • Florida


“I strongly believe in healing. Over the years, I've watched clients move through painful experiences and reconnect with a sense of peace, joy, and who they really are.”
Anxiety, Depression, Eating disorders, End of life care, Family issues
Holistic, Participatory, Warm
Accepts 5 insurance carriers
Carly Cisson

Carly Cisson

Therapist

Virtual • Florida


Reaching out for therapy takes something, and I want the first conversation to feel like a relief rather than a test. My work starts with getting to know who you are and what you're carrying, not with a diagnosis.

Anxiety, Depression, Identity issues, Men's issues, PTSD
Affirming, Empowering, Solution-oriented
Accepts 4 insurance carriers
Anderline Bredy

Anderline Bredy

Therapist

Virtual • Florida


“I work with adolescents and adults navigating anxiety, depression, trauma, and the particular stress that comes with cultural identity, family dynamics, and major life transitions.”
Anxiety, Cultural & ethnic issues, Depression, Family issues, Grief or loss
Empowering, Solution-oriented, Warm
Accepts 9 insurance carriers
Peter Bronstein

Peter Bronstein

Psychiatric Mental Health NP

Virtual • Wellington, FL


Peter Bronstein is a licensed Advanced Practice Registered Nurse (APRN) specializing in psychiatric mental health care in South Florida. With a strong academic foundation—holding a Master of Science in Nursing from Florida Atlantic University and a Master of Science from Nova Southeastern University—Peter brings over two decades of dedicated health and clinical expertise to his practice. He provides compassionate, evidence-based care tailored to adults seeking mental health support in a safe and supportive environment.

ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Affirming, Empowering, Solution-oriented
Accepts 3 insurance carriers
Luissel Cabreja

Luissel Cabreja

Therapist

Virtual • Florida


“I provide a warm, judgment-free space where you can feel comfortable being yourself and working through what's been weighing on you.”
ADD/ADHD, Anxiety, Cultural & ethnic issues, Depression, End of life care
Empowering, Solution-oriented, Warm
Accepts 7 insurance carriers
Sally Gousse

Sally Gousse

Therapist

Virtual • Florida


“Our work will make room for both the person you are and the relationships, responsibilities, experiences, and transitions that have shaped you.”
Anxiety, Depression, Family issues, Maternal mental health, PTSD
Affirming, Empowering, Solution-oriented
Accepts 4 insurance carriers
Susanna Smith

Susanna Smith

Therapist

Virtual • Florida


You may be the person everyone relies on, or a parent wondering how best to help your child. You do not have to figure it out alone. I am Susanna W. Smith, a Florida Licensed Mental Health Counselor with a Master of Science in Psychology, Mental Health Counseling from St. Thomas University. Drawing on my work in schools and community mental health, I support children, teens, and adults facing anxiety, depression, grief, trauma, stress, ADHD, and life changes. I offer a space where you can be yourself, feel heard, and find a way forward.

ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Cultural & ethnic issues
Empowering, Humorous, Warm
Accepts 7 insurance carriers
Kaleigh Kailing

Kaleigh Kailing

Psychiatric Mental Health NP

Virtual • Miami, FL


“I genuinely care about the person behind the symptoms and I believe mental health care should be a safe, supportive, and judgment-free experience where you feel comfortable being honest about what you are going through.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Empowering, Holistic, Warm
Accepts 6 insurance carriers
Gerald Reyes

Gerald Reyes

Therapist

Virtual • Florida


“My passion is collaborating with my clients by helping them achieve their goals and be the best version of themselves.”
ADD/ADHD, Anger management, Anxiety, Chronic conditions, Depression
Direct, Empowering, Humorous
Accepts 7 insurance carriers
Maria Martinez

Maria Martinez

Therapist

Virtual • Florida


I believe healing starts with feeling seen, heard, and understood. As a Florida Licensed Mental Health Counselor and bilingual psychotherapist, I provide virtual therapy in English and Spanish for young adults and adults.

I specialize in helping individuals experiencing anxiety, depression, trauma and PTSD, low self-esteem, relationship difficulties, childhood trauma, and narcissistic abuse. I am especially passionate about supporting cycle breakers—people who are ready to heal and release painful, unhelpful patterns, understand how the past continues to affect them, and create a healthier future for themselves and the generations that follow.

ADD/ADHD, Anxiety, Bipolar disorder, Cultural & ethnic issues, Depression
Empowering, Open-minded, Warm
Accepts 5 insurance carriers
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About our therapists serving Panama City, FL

Number of therapists serving Panama City, FL
There are over 9,584 therapists in Panama City, FL accepting new patients.
9,584+
Average years in practice
Watercolor illustration of a bookshelf
10 years
Top specialties offered
Watercolor illustration of specialties
  • 98%Anxiety
  • 92%Depression
  • 88%Stress management
  • 78%Relationship issues
  • 77%Trauma
Insurances accepted
Watercolor illustration of insurance cards
  • 99%Aetna
  • 92%Cigna
  • 86%Carelon Behavioral Health
  • 64%Ascension
  • 49%Horizon Blue Cross and Blue Shield of New Jersey
Languages spoken
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  • 98%English
  • 19%Spanish
  • 2%Haitian Creole
  • 1%French
  • 1%Portuguese
How they see their clients
Watercolor illustration of therapy session
  • 87%Online only
  • 13%In-person or online
Provider gender
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  • 82%Woman
  • 17%Man
License types
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  • 39%Licensed Mental Health Counselor
  • 26%Licensed Clinical Social Worker
  • 9%Advanced Practice Registered Nurse
  • 8%Licensed Mental Health Counselor
  • 6%Licensed Clinical Social Worker
Treatment approaches
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  • 99%Individual therapy
  • 34%Family therapy
  • 25%Couples therapy
  • 16%Child or adolescent therapy

Frequently asked questions

Therapy Chair

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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.