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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 9,316 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

949 Jenks Avenue, 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,

Direct, Empowering, Solution-oriented

Accepts Aetna, Cigna, Florida Blue,


Offers free consultationsView profile and book
Ben Earnest

Ben Earnest

Therapist

Virtual & in-person • 2.2 mi away

2101 Northside Drive, 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,

Inquisitive, Solution-oriented, Warm

Accepts Aetna, Cigna, Florida Blue,


Offers free consultationsView profile and book
Cathy Connor

Cathy Connor

Therapist

In-person • <1 mi away

949 Jenks Avenue, Panama City, FL

“I have been an LCSW for 18 years and have helped clients struggling with anxiety, trauma, depression, grief, and life transitions.”

ADD/ADHD, Anger management, Anxiety, Bipolar disorder,

Affirming, Open-minded, Warm

Accepts Aetna, Cigna, Ascension,

Zachary Sutton

Zachary Sutton

Therapist

Virtual & in-person • <1 mi away

949 Jenks Avenue, 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,

Direct, Empowering, Open-minded

Accepts Aetna, United Healthcare, Cigna,

Noelle Williams

Noelle Williams

Therapist

Virtual & in-person • <1 mi away

949 Jenks Avenue, 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,

Holistic, Humorous, Solution-oriented

Accepts Aetna, Cigna, Florida Blue,

Tricia DeLuna

Tricia DeLuna

Therapist

Virtual & in-person • 2.3 mi away

700 West 23rd Street, 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,

Affirming, Holistic, Open-minded

Accepts Aetna, Cigna, Ascension,

Christy Carpenter

Christy Carpenter

Therapist

Virtual & in-person • 2.3 mi away

700 West 23rd Street, 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,

Affirming, Solution-oriented, Warm

Accepts Aetna, Cigna, Ascension,

Jessica Griffin

Jessica Griffin

Therapist

Virtual & in-person • 2.5 mi away

1229 Airport Road, Panama City, FL

I am a Licensed Mental Health Counselor in Florida with 3 years of clinical mental health experience. I graduated from Troy University with a Masters Degree in Clinical Mental Health Counseling and was trained by the University of Central Florida in Trauma Management Therapy.

I have a wide range of experience with adolescents and adults including time spent as an inpatient therapist as well as an outpatient therapist in the community mental health setting and in private practice.

ADD/ADHD, Anger management, Anxiety, Bipolar disorder,

Empowering, Open-minded, Warm

Accepts Aetna, United Healthcare, Oscar,

Jenny Natalio

Jenny Natalio

Therapist

Virtual & in-person • 5.1 mi away

1701 Tennessee Avenue, 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,

Empowering, Humorous, Solution-oriented

Accepts Aetna, United Healthcare, Cigna,

Kristi Srichan

Kristi Srichan

Therapist

Virtual & in-person • 5.1 mi away

1701 Tennessee Avenue, 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,

Empowering, Open-minded, Warm

Accepts Aetna, United Healthcare, Cigna,

Colleen Pagoada

Colleen Pagoada

Psychiatric Mental Health NP

Virtual & in-person • <1 mi away

949 Jenks Avenue, 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,

Inquisitive, Solution-oriented, Warm

Accepts Aetna, United Healthcare, Cigna,

Dr. Robert Fowler

Dr. Robert Fowler

Therapist

Virtual & in-person • 11 mi away

12216 Panama City Beach Parkway, 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,

Open-minded, Solution-oriented, Warm

Accepts Aetna, Cigna, Florida Blue,

Brooke McMaken

Brooke McMaken

Therapist

Virtual & in-person • 9.5 mi away

415 R Jackson Boulevard, Panama City Beach, FL

I moved from Denver to Panama City Beach 7 years ago. I specifically use Dialectical Behavioral Therapy to help clients be in control of their emotions instead of their emotions be in control of them. I believe movement is an important part of healing.

Anger management, Anxiety, Bipolar disorder, Depression,

Challenging, Empowering, Solution-oriented

Accepts Aetna, United Healthcare, Cigna,

Suzanne Clark

Suzanne Clark

Therapist

Virtual & in-person • 11 mi away

12216 Panama City Beach Parkway, 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,

Empowering, Participatory, Warm

Accepts Aetna, Cigna, Florida Blue,

Jennifer Cumbie

Jennifer Cumbie

Therapist

Virtual & in-person

1346 North Railroad Avenue, 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,

Humorous, Solution-oriented, Warm

Accepts Aetna, Cigna, Florida Blue,

Crystal Copeland

Crystal Copeland

Therapist

Virtual & in-person

251 Mary Esther Boulevard, Mary Esther, FL

Congratulations on your courageous decision to seek help! Self-awareness is the first step to change and I go above and beyond to help those like you who choose to actively help themselves. Understand that the path to self-discovery and growth is not easy. It involves commitment, personal investment, and a desire to delve into the process of growth, healing, and self-love.

ADD/ADHD, Anger management, Anxiety, Bipolar disorder,

Creative, Empowering, Open-minded

Accepts Aetna, United Healthcare, Cigna,

Nadine Clarke

Nadine Clarke

Psychiatric Mental Health NP

Virtual • Florida


“My approach emphasizes the interconnectedness of physical and mental well-being, blending my expertise in primary care with psychological insight to create personalized care plans for each patient.”

ADD/ADHD, Anxiety, Bipolar disorder, Chronic conditions,

Affirming, Open-minded, Warm

Accepts Aetna, Cigna, Blue Cross Blue Shield of Massachusetts,

Marlie Stuart

Marlie Stuart

Therapist

Virtual & in-person

4100 West Kennedy Boulevard, Tampa, FL

“Therapy is a collaborative process where you're the expert on you and I'm the expert on mental health.”

Anger management, Anxiety, Depression, OCD,

Challenging, Open-minded, Warm

Accepts Aetna, United Healthcare, Cigna,


Offers free consultationsView profile and book
Andres Borja

Andres Borja

Therapist

Virtual • Florida


“I bring a warm, grounded presence to therapy and believe that effective treatment starts with authentic connection and mutual respect.”

ADD/ADHD, Anger management, Anxiety, Bipolar disorder,

Affirming, Empowering, Solution-oriented

Accepts Aetna, Cigna, Florida Blue,

Edlin Hernandez

Edlin Hernandez

Therapist

Virtual • Florida


“Her therapeutic process encourages clients to recognize their own strengths and capabilities, empowering them to identify practical steps toward resolving challenges.”

Anger management, Anxiety, Depression, Family issues,

Empowering, Humorous, Solution-oriented

Accepts Aetna, United Healthcare, Cigna,

Iris Bass

Iris Bass

Psychiatric Mental Health NP

Virtual • Florida


Hi, I’m Iris, a board-certified Psychiatric Mental Health Nurse Practitioner. I work with adults who are feeling overwhelmed by anxiety, depression, mood changes, attention difficulties, or stress that’s making daily life harder than it should be.

My approach is warm, collaborative, and focused on the whole person. I believe mental health care should go beyond simply treating symptoms. Together, we’ll explore the factors that may be affecting how you feel—from life stressors and sleep to hormonal changes and metabolic health—and create a treatment plan tailored specifically to you.

In addition to psychiatric medication management, I also incorporate hormone-informed mental health care and medical weight management, recognizing how closely emotional well-being, hormones, and physical health are connected.

My goal is for you to feel heard, supported, and empowered with a clear path forward.

You don’t have to navigate this alone—support is here when you’re ready.

ADD/ADHD, Anxiety, Bipolar disorder, Cultural & ethnic issues,

Holistic, Solution-oriented, Warm

Accepts Aetna, United Healthcare, Cigna,


Offers free consultationsView profile and book
Linda Gurt

Linda Gurt

Therapist

Virtual & in-person

2523 Herschel Street, Jacksonville, FL

“My style is empathetic, interactive, and empowering. While I offer guidance and support, I also gently challenge clients to step outside their comfort zones and explore new perspectives.”

ADD/ADHD, Anxiety, Depression, Family issues,

Affirming, Open-minded, Warm

Accepts Aetna, United Healthcare, Cigna,


Offers free consultationsView profile and book
Sarah Riley

Sarah Riley

Therapist

Virtual • Florida


“I am quite laid back and an intuitive listener. I don't take notes during our sessions to give my clients 100% presence so they feel heard.”

Anxiety, Bipolar disorder, Depression, Family issues,

Challenging, Holistic, Open-minded

Accepts Aetna, Cigna, Ascension,

Dr. Genesis Ettienne

Dr. Genesis Ettienne

Therapist

Virtual • Florida


If you've found your way here, chances are you're carrying something heavy. Maybe anxiety that won't quiet down, grief that reshaped your world, the exhaustion of new motherhood, or a quiet sense that you've lost track of who you are. Whatever it is, I want you to know you don't have to hold it alone anymore.

I became a therapist because I believe every person's story matters, and because I've seen what happens when someone finally feels safe enough to tell theirs. That's the part of this work I love most: watching people move from stuck and overwhelmed to grounded and free. I bring warmth and empathy to every session, but I'll also be honest with you. My clients often tell me they feel truly heard for the first time, and that's exactly what I'm hoping to give you.

I especially love working with people navigating identity, maternal mental health, grief and loss, cultural and ethnic experiences, and anxiety. I bring a culturally sensitive lens to all of it, because your background, your faith, and your family are part of your story too — not something to leave at the door.

ADD/ADHD, Anxiety, Cultural & ethnic issues, Depression,

Empowering, Energetic, Holistic

Accepts Aetna, Cigna, Ascension,

Nicole M. Heller

Nicole M. Heller

Therapist

Virtual • Florida


“Therapy is not about fixing you—it's about helping you better understand yourself, strengthen your relationships, and create a life that feels more aligned with your goals!”

ADD/ADHD, Anger management, Anxiety, Bipolar disorder,

Affirming, Holistic, Open-minded

Accepts Aetna, Cigna, Ascension,


Offers free consultationsView profile and book
Whitney Allen

Whitney Allen

Therapist

Virtual • Florida


“I specialize in helping teens and young adults navigate anxiety, depression, self-esteem, body image, relationships and family concerns.”

ADD/ADHD, Anger management, Anxiety, Depression,

Challenging, Empowering, Warm

Accepts Aetna, Cigna, Blue Cross Blue Shield of Massachusetts,


Offers free consultationsView profile and book
Dr. Sophia Zavrou

Dr. Sophia Zavrou

Psychologist

Virtual & in-person

2325 Ulmerton Road, Clearwater, FL

“My approach is structured, collaborative, and compassionate. Therapy focuses on helping clients gradually face fears, reduce avoidance, and build confidence...”

ADD/ADHD, Anxiety, Depression, Family issues,

Direct, Empowering, Warm

Accepts Aetna insurance

Carol De La Cruz Munoz

Carol De La Cruz Munoz

Therapist

Virtual • Miami, FL


“My desire is to help clients through their individual journey of pain, suffering, confusion or seeking of their truth by creating a new and healthy path of emotional sobriety, interpersonal development and mindful prosperity.”

Anger management, Anxiety, Depression, Family issues,

Challenging, Empowering, Warm

Accepts Aetna, United Healthcare, Cigna,

Ralph Pasceri

Ralph Pasceri

Therapist

Virtual • Florida


“My goal is to create a compassionate, nonjudgmental environment where you feel comfortable being yourself while working toward the life you want to build.”

ADD/ADHD, Anger management, Anxiety, Bipolar disorder,

Inquisitive, Solution-oriented, Warm

Accepts Aetna, Cigna, Carelon Behavioral Health,

Susel DE LA Cruz

Susel DE LA Cruz

Therapist

Virtual • Florida


“I specialize in Dialectical Behavior Therapy, and use other mindfulness-based practices to help you increase your quality of life.”

ADD/ADHD, Anger management, Anxiety, Bipolar disorder,

Affirming, Humorous, Open-minded

Accepts Aetna, United Healthcare, Cigna,


Offers free consultationsView profile and book
Angelica Aristizabal

Angelica Aristizabal

Therapist

Virtual • Florida


“Angelica strives to create a warm, welcoming, and non-judgmental therapeutic space where clients feel genuinely seen, heard, and understood.”

Anxiety, Depression, Family issues, Grief or loss,

Challenging, Empowering, Open-minded

Accepts Aetna, Cigna, Ascension,

Elizabeth Gingerich

Elizabeth Gingerich

Therapist

Virtual • Florida


“Using an integrated and holistic approach, I help clients better understand their experiences, develop practical tools to manage emotions, and shift patterns that may be keeping them stuck.”

Anxiety, Bipolar disorder, Depression, Family issues,

Empowering, Solution-oriented, Warm

Accepts Aetna, United Healthcare, Cigna,

Chantel Copeland

Chantel Copeland

Therapist

Virtual • Florida


“I specialize in substance abuse and co-occurring disorders. I also have previous experience providing counseling for grief and loss, chronic/terminal illnesses and gerontology.”

Anxiety, Bipolar disorder, Cultural & ethnic issues, Depression,

Direct, Empowering, Solution-oriented

Accepts Aetna, Cigna, Ascension,

Autumn Makamson

Autumn Makamson

Therapist

Virtual • Florida


“I have a high success rate, and most clients report relief from symptoms in 4-6 weeks using these approaches.”

Anxiety, Maternal mental health, OCD, Panic disorders,

Affirming, Humorous, Warm

Accepts Aetna, Cigna, Ascension,

Jill Bergen

Jill Bergen

Therapist

Virtual • Florida


“Jill believes in the power of the therapeutic relationship. She hopes to help you engage and enhance your capacity for introspection, reflection, and self-awareness...”

ADD/ADHD, Anger management, Anxiety, Depression,

Empowering, Inquisitive, Open-minded

Accepts Aetna, United Healthcare, Cigna,

Hailey Sliva

Hailey Sliva

Therapist

Virtual • Florida


“I pride myself on taking an empathetic approach that allows me to meet people where they are on their path...”

Anger management, Anxiety, Family issues, Maternal mental health,

Energetic, Humorous, Warm

Accepts Aetna, Cigna, Florida Blue,

Tasaine Green

Tasaine Green

Psychiatric Mental Health NP

Virtual • Florida


“I am a compassionate psychiatric mental health nurse practitioner who provides client-centered, evidence-based care in a supportive and nonjudgmental environment.”

ADD/ADHD, Anxiety, Bipolar disorder, Depression,

Empowering, Open-minded, Solution-oriented

Accepts Aetna, United Healthcare, Cigna,

Jacqueline Screen

Jacqueline Screen

Therapist

Virtual • Florida


“I find joy in reminding my clients of their divine attributes and qualities, while working towards achieving their goals...”

Anxiety, Depression, Family issues, Identity issues,

Empowering, Holistic, Warm

Accepts Aetna, Cigna, Florida Blue,

Lucy Osuji

Lucy Osuji

Psychiatric Mental Health NP

Virtual • Florida


“I am a calm, compassionate provider who listens carefully, explains things clearly, and partners with you every step of the way.”

ADD/ADHD, Anger management, Anxiety, Bipolar disorder,

Holistic, Open-minded, Solution-oriented

Accepts Aetna, United Healthcare, Cigna,

Prad Georges

Prad Georges

Therapist

Virtual • Florida


“I aim to create an open and safe environment for my clients where thoughts and emotions can be explored without fear of judgment.”

Anger management, Anxiety, Bipolar disorder, Depression,

Empowering, Open-minded, Solution-oriented

Accepts Aetna, United Healthcare, Cigna,

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About our therapists serving Panama City, FL

Number of therapists serving Panama City, FL
There are over 9,297 therapists in Panama City, FL accepting new patients.
9,297+
Average years in practice
Watercolor illustration of a bookshelf
10 years
Top specialties offered
Watercolor illustration of specialties
  • 98%Anxiety
  • 93%Depression
  • 88%Stress management
  • 78%Relationship issues
  • 77%Trauma
Insurances accepted
Watercolor illustration of insurance cards
  • 99%Aetna
  • 92%Cigna
  • 87%Carelon Behavioral Health
  • 65%Ascension
  • 49%Horizon Blue Cross and Blue Shield of New Jersey
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
  • 87%Online only
  • 13%In-person or online
Provider gender
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  • 82%Woman
  • 18%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
  • 35%Family therapy
  • 26%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.

1 Cost may vary based on your location, age, and insurance coverage.