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


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 9,908 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.
My name is Latarsia Renee Williams, but feel free to call me Tarsia (pronounced like Tasha). I’m a Licensed Mental Health Counselor (LMHC) in Florida and a Licensed Professional Counselor (LPC) in Alabama, and I have been working with clients since 2016. My professional background includes supporting individuals, couples, families, and groups across a range of settings such as youth programs, detention facilities, group therapy environments, and private practice. I earned my Master’s degree in Clinical Mental Health Counseling in 2018 and became fully licensed in 2024.
I currently provide telehealth services to adults across Florida. I specialize in helping clients navigate trauma, grief, emotional regulation, low self-worth, mood and attention challenges, and relationship concerns. I also offer Christian counseling for those seeking to integrate their faith into the therapeutic process.
As a therapist for 8 years, I believe anything can be accomplished through the right therapeutic approach. It is not about fitting a client into a mold but creating a mold that fits the client. Through this journey, the client is the artist, sculptor, and visionary that recreates the new and repairs the old.
I am a neurodivergent, LGBTQ+ affirming provider who believes in social justice. I graduated from NYU in 2015 with my MSW degree and the last 10 years I have worked in various hospital based clinic settings providing mental and behavioral health interventions and therapy to children, adolescents and adults. I am passionate about serving underserved communities and access to care. I accept sliding scale out of pocket in addition to insurance.
I believe therapy works best when you feel seen, heard, and accepted exactly as you are. My goal is to create a space where you don’t have to perform, have it all together, or carry everything on your own.
As a Licensed Clinical Social Worker, I’ve spent my career supporting children, parents, and families through some of life’s most challenging moments. My background includes working in the NICU, early childhood mental health, and supporting families navigating trauma, medical complexity, parenting stress, anxiety, depression, and major life transitions.
I am especially passionate about working with women during pregnancy and postpartum, parents, caregivers, and individuals who have spent so much time caring for others that they’ve forgotten how to care for themselves.
I bring warmth, authenticity, and a little humor into sessions when appropriate. Therapy with me is a judgment-free space where you can show up exactly as you are.
I've spent the last 14 years walking alongside people through some of the tender, complicated seasons of life, like navigating depression and anxiety, managing overwhelming stress, working through relationship struggles, and supporting women through the physical and emotional shifts of pregnancy, postpartum, and infertility. I care deeply about the people I work with, and I bring warmth, honesty, and a genuine curiosity about who you are to every session. When I'm not in the therapy room, you'll usually find me outside moving my body, and soaking up whatever sunshine I can find.
About our therapists serving Panama City, FL



- 97%Anxiety
- 92%Depression
- 88%Stress management
- 78%Relationship issues
- 77%Trauma

- 99%Aetna
- 91%Cigna
- 86%Carelon Behavioral Health
- 62%Ascension
- 46%United Healthcare

- 98%English
- 19%Spanish
- 2%Haitian Creole
- 1%French
- 1%Portuguese

- 86%Online only
- 14%In-person or online

- 83%Woman
- 16%Man

- 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

- 100%Individual therapy
- 34%Family therapy
- 25%Couples therapy
- 16%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 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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