Skip to main content
Headway

Book OCD care, covered by insurance

Obsessive-compulsive disorder therapists & psychiatrists in Ellicott City, MD

Therapist and patient in a therapy session
Calculator Illustration
Get a cost estimate
People with insurance pay as low as $0 per session through Headway

Top OCD therapists and psychiatrists in Ellicott City, MD

OCD treatment in Ellicott City is accessible through Headway's network of 950 providers offering talk therapy and medication management. Whether you're struggling with contamination fears, checking behaviors, or unwanted thoughts, compassionate clinicians are ready to work with you toward recovery.

Taku Ajongakoh Stella

Taku Ajongakoh Stella

Psychiatric Mental Health NP

Virtual • Maryland


“My approach is patient-centered, compassionate, and collaborative. I take time to listen and understand each person's story so we can work together toward stability and improved well-being.”
OCD, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Empowering, Participatory, Solution-oriented
Accepts 5 insurance carriers
Angela Tamayo

Angela Tamayo

Therapist

Virtual • Maryland


Hi, I’m Angela, a bilingual Licensed Clinical Social Worker (LCSW) practicing in Maryland and Tennessee via telehealth. I provide therapy in both English and Spanish and specialize in working with children ages 11 and up, teens, and adults. I support clients experiencing anxiety, depression, OCD, trauma, ADHD and ASD and life transitions, and I have a warm, grounded style that helps clients feel safe and understood. My background includes extensive experience with youth and families, and I integrate evidence-based modalities such as CBT, Exposure-Based approaches, Acceptance & Commitment Therapy, and trauma-informed care.

OCD, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Empowering, Open-minded, Warm
Accepts 6 insurance carriers
Henry Ibitokun

Henry Ibitokun

Psychiatric Mental Health NP

Virtual • Maryland


“I believe in using medication when appropriate, being conservative when possible, and constantly weighing benefits, side effects, and your personal goals.”
OCD, ADD/ADHD, Anxiety, Bipolar disorder, Chronic conditions
Holistic, Solution-oriented, Warm
Accepts 10 insurance carriers
Daniel Lozoya

Daniel Lozoya

Therapist

Virtual • Maryland


“I believe therapy should feel collaborative, respectful, and human. My goal is to create a space where you do not have to perform, minimize your pain, or have everything figured out before asking for support.”
OCD, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Affirming, Creative, Empowering
Accepts 3 insurance carriers

Offers free consultationsView profile and book
Dr. Stella Fru

Dr. Stella Fru

Psychiatric Mental Health NP

Virtual • Upper Marlboro, MD


“My mission as a PMHNP is to provide compassionate, holistic mental health care that honors each patient's story while promoting healing, resilience, and emotional well-being...”
OCD, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Empowering, Open-minded, Solution-oriented
Accepts 6 insurance carriers
Tiyahna Miles-Hall

Tiyahna Miles-Hall

Therapist

Virtual • Maryland


Do you struggle with anxiety, depression, poor self-esteem, negative thoughts, unhealthy relationships or the inability to say NO! Are you tired of feeling like nothing will change or your stuck in life because you don't know what to do to make it better? I focus on adults using CBT, REBT, Person Centered and Motivational interviewing to assist clients in learning more about themselves and their perspective on life. I have experience working with many different mental health disorders including depression, anxiety, stress, marital/relationship issues and career struggles to name a few.

OCD, Anger management, Anxiety, Bipolar disorder, Cultural & ethnic issues
Affirming, Empowering, Participatory
Accepts 9 insurance carriers
Dr. Judith Egbe

Dr. Judith Egbe

Psychiatric Mental Health NP

Virtual • Maryland


“Your mood or whatever diagnosis is/are identified does not define you as a person but rather guides me to tailor your treatment to your unique needs.”
OCD, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Empowering, Open-minded, Solution-oriented
Accepts 7 insurance carriers
Peace Peters

Peace Peters

Psychiatric Mental Health NP

Virtual • Bethesda, MD


“I'll meet you with compassion and evidence-based treatment modalities so you can overcome the hangups and habits holding you back.”
OCD, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Empowering, Holistic, Open-minded
Accepts 7 insurance carriers
Albert Dzati

Albert Dzati

Psychiatric Mental Health NP

Virtual • Bowie, MD


Hi, I’m Dr. Albert Dzati, a Board-Certified Psychiatric Mental Health Nurse Practitioner. I help people of all ages — kids, teens, adults, and seniors — find real support, real understanding, and real progress with their mental health.

I treat a wide range of concerns, including depression, anxiety, ADHD, bipolar disorder, schizophrenia, PTSD, sleep issues, and substance use. No matter what you’re dealing with, I want you to feel comfortable opening up and knowing that you’re not facing it alone.

OCD, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Empowering, Holistic, Solution-oriented
Accepts 4 insurance carriers
Suzette Nelson

Suzette Nelson

Psychiatric Mental Health NP

Virtual • Maryland


“I believe in empowering individual to maintain or improve their mental health through empathetic care, therapeutic communication, and culturally competent practice.”
OCD, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Empowering, Open-minded, Warm
Accepts 7 insurance carriers

Offers free consultationsView profile and book
Zainab Pierre

Zainab Pierre

Psychiatric Mental Health NP

Virtual • Maryland


Mrs Zainab Pierre, [MSN, PMHNP] is a dedicated Psychiatric Mental Health Professional with extensive experience in diagnosing, treating, and managing a broad range of mental and behavioral health conditions across diverse populations. With a strong foundation in evidence-based practice and a passion for holistic care, she specializes in providing compassionate, patient-centered treatment for individuals coping with depression, anxiety, mood disorders, substance use, and trauma-related conditions.

Mrs Zainab is skilled in psychotherapy, psychopharmacology, crisis intervention, and care coordination, and works collaboratively with multidisciplinary teams to ensure optimal outcomes for clients. Committed to advancing mental health equity, she also advocates for community-based solutions, mental health education, and stigma reduction.

She currently practices with United healthcare Washington DC and TRIPLEZEES BEHAVIORAL HEALTH LLC and holds a BSN and MSN, bringing a blend of clinical expertise, cultural sensitivity, and genuine empathy to every therapeutic encounter.

OCD, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Empowering, Holistic, Participatory
Accepts 5 insurance carriers
Comfort Oshiyoye-Dina

Comfort Oshiyoye-Dina

Psychiatric Mental Health NP

Virtual • Maryland


“When you meet with me, you can expect to be received with warmth and respect, in a non judgmental atmosphere.”
OCD, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Open-minded, Solution-oriented, Warm
Accepts 9 insurance carriers
Dr. Ifeoma Onyeiwu

Dr. Ifeoma Onyeiwu

Psychiatric Mental Health NP

Virtual • Laurel, MD


“Providing compassionate and patient-centered care, believe in building real relationships, listening closely and helping patients feel better in every sense of the word.”
OCD, ADD/ADHD, Anxiety, Bipolar disorder, Depression
Open-minded, Solution-oriented, Warm
Accepts 7 insurance carriers
Samuel Rosenblatt

Samuel Rosenblatt

Therapist

Virtual • Maryland


My intention is to provide a judgment-free space where we can talk about what is going on and collaborate to move forwards in the best way possible. I am flexible in my approach to counseling, and I tailor my counseling style based on the needs of each person I work with. I enjoy working with a wide range of clients (age, gender, concerns, etc.) and I am passionate about what I do. I am into fitness and healthy lifestyle, and I support my clients with creating their own foundation of wellness.

OCD, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Direct, Holistic, Humorous
Accepts 7 insurance carriers
Jazmin Rivera

Jazmin Rivera

Therapist

Virtual • Maryland


“My goal is to create a warm, supportive environment where clients and families feel safe, understood, and empowered.”
OCD, ADD/ADHD, Anger management, Anxiety, Cultural & ethnic issues
Affirming, Open-minded, Warm
Accepts 6 insurance carriers
Dr. Juliana Oranye

Dr. Juliana Oranye

Psychiatric Mental Health NP

Virtual • Maryland


I am a board-certified Psychiatric Mental Health Nurse Practitioner with more than 14 years of experience providing compassionate, evidence-based care to individuals and families throughout Maryland. As the founder of Behavioral Strength Resources and Partnership (BSRP), I specialize in psychiatric evaluation, medication management, psychotherapy, care coordination, and patient advocacy.

OCD, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Direct, Holistic, Open-minded
Accepts 9 insurance carriers
Tonnesha Kidd

Tonnesha Kidd

Psychiatric Mental Health NP

Virtual • Bowie, MD


Hi, I’m a Board Certified Psychiatric Mental Health Nurse Practitioner. I graduated from Drexel University with my Master's degree in Nursing. I then completed my Post-Graduate Certificate in Psychiatric Mental Health Nurse Practitioner. I have over twenty years of experience working in healthcare. Psych has always been my passion. My experiences encompass working with clients across the life span, including Child and Adolescents, Adult, and Geriatric patient populations. I’ve provided services to clients presenting with many psychiatric disorders, such as Anxiety, Depression, ADHD, Bipolar Disorder, and more. I’m in the belief that mental health wellbeing is a priority. Human beings are resilient. Holistic care is the key to promoting better patient outcomes. Therefore, I believe that with an evidence-based practice treatment plan consisting of psychotherapy and/or a combination of psychotherapy and medication management, one will be able to control their mental health.


I’m a very compassionate, caring, and empathetic person. I strive to provide holistic care and collaborate with my clients to develop a treatment plan that they are comfortable with.

OCD, Anger management, Anxiety, Bipolar disorder, Depression
Holistic, Solution-oriented, Warm
Accepts 6 insurance carriers
Kokouvi Hiheglo

Kokouvi Hiheglo

Psychiatric Mental Health NP

Virtual • Belcamp, MD


In my role as a board-certified Psychiatric Mental Health Nurse Practitioner, I place great importance on prioritizing mental health as a fundamental component of achieving happiness and stability in life. I understand that seeking help can be a daunting task, so I want to acknowledge and commend you for taking that important first step. With some years of experience in clinical and practice, I have learned to provide care to patients of all age groups and populations with mental illnesses.

OCD, ADD/ADHD, Anxiety, Bipolar disorder, Cultural & ethnic issues
Energetic, Solution-oriented, Warm
Accepts 6 insurance carriers
Gabrielle Mcphail

Gabrielle Mcphail

Psychiatric Mental Health NP

Virtual • Maryland


“I created Harmonic Healing Lab to offer a more thoughtful and personalized approach to mental health care, one where you feel heard, respected, and not rushed through the process.”
OCD, ADD/ADHD, Anxiety, Bipolar disorder, Depression
Creative, Open-minded, Warm
Accepts 5 insurance carriers
Chidi Nwachukwu

Chidi Nwachukwu

Psychiatric Mental Health NP

Virtual • Maryland


“I bring a holistic, person-centered approach to mental health care — one that attends to the whole person, not just the presenting diagnosis.”
OCD, ADD/ADHD, Anger management, Bipolar disorder, Depression
Holistic, Open-minded, Solution-oriented
Accepts 12 insurance carriers
Ashika Dickerson

Ashika Dickerson

Psychiatric Mental Health NP

Virtual • Maryland


“With over 25 years of nursing experience, I'm passionate about helping people find balance, peace, and clarity.”
OCD, ADD/ADHD, Anxiety, Bipolar disorder, Cultural & ethnic issues
Empowering, Open-minded, Warm
Accepts 10 insurance carriers
Lisa Johnson

Lisa Johnson

Psychiatric Mental Health NP

Virtual • Maryland


“My clients are often navigating high stress, burnout, trauma, or life transitions—and they're ready for real support that actually works.”
OCD, ADD/ADHD, Anxiety, Depression, Family issues
Affirming, Empowering, Solution-oriented
Accepts 10 insurance carriers

Offers free consultationsView profile and book
Ochuko Okotie

Ochuko Okotie

Psychiatric Mental Health NP

Virtual • Maryland


“I am dedicated to creating a safe, supportive, and nonjudgmental space where you feel heard, respected, and empowered in your care.”
OCD, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Holistic, Participatory, Warm
Accepts 7 insurance carriers
Dr. Mercy Gana

Dr. Mercy Gana

Psychiatric Mental Health NP

Virtual • Maryland


Seeking support can feel like a big step, and I'm glad you're here. My goal is to create a space where you feel comfortable being yourself—without judgment, pressure, or the need to have everything figured out. Whether you're struggling with anxiety, depression, ADHD, mood changes, trauma, or simply feeling overwhelmed by life's challenges, we'll work together to help you move toward healing and balance.

I am a board-certified Psychiatric Mental Health Nurse Practitioner (PMHNP) with a Doctor of Nursing Practice (DNP) degree. I provide comprehensive psychiatric evaluations, medication management, and supportive therapy using an evidence-based, holistic approach. I believe mental health is about more than managing symptoms—it's about improving your overall quality of life and helping you thrive.

My clients often describe me as warm, humorous, open-minded, energetic, and easy to talk to. I also believe in being direct, honest, and solution-oriented because I know that meaningful growth comes from combining compassion with practical strategies. I enjoy helping people recognize their strengths, build resilience, and develop skills they can use long after our sessions.

I work with children, adolescents, adults, and older adults experiencing a wide range of mental health concerns, including anxiety disorders, depression, bipolar disorder, ADHD, PTSD and trauma-related disorders, obsessive-compulsive disorder (OCD), schizophrenia and other psychotic disorders, and substance use disorders. I also support clients navigating life transitions, grief, relationship challenges, stress, and emotional regulation.

I believe healing happens through collaboration, trust, and hope. Whether this is your first time seeking mental health care or you're continuing your journey, I'm here to meet you where you are and help you take the next step toward living a healthier, more fulfilling life.

OCD, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Open-minded, Solution-oriented, Warm
Accepts 7 insurance carriers
Dr. Amoah Asante

Dr. Amoah Asante

Psychiatric Mental Health NP

Virtual • Bethesda, MD


“I work with individuals experiencing symptoms of ADHD, anxiety, depression, mood disorders, and other mental health concerns, providing thoughtful assessment and medication management tailored to your goals.”
OCD, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Empowering, Open-minded, Warm
Accepts 6 insurance carriers
Rebecca Adeyoola

Rebecca Adeyoola

Psychiatric Mental Health NP

Virtual • Maryland


“I genuinely love what I do. I enjoy connecting with people from all walks of life, sharing stories, and helping clients recognize the power they already hold.”
OCD, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Open-minded, Solution-oriented, Warm
Accepts 9 insurance carriers
Abimelec Torres Serrano

Abimelec Torres Serrano

Therapist

Virtual • Maryland


I’m a bilingual psychotherapist (English/Español) with extensive experience supporting individuals living with bipolar disorder, depression, and anxiety. I hold a Master of Science in Clinical Mental Health Counseling from Johns Hopkins University and am credentialed as a Nationally Certified Counselor (NCC) and a Licensed Clinical Professional Counselor (LCPC) in the state of Maryland and in Florida. In addition to my private practice, I work full-time as a Psychiatric Therapist at The Johns Hopkins Hospital, where I’ve spent years helping people manage mood disorders and find greater stability.

Living with bipolar disorder can feel like riding an unpredictable roller-coaster. Many of the clients I work with want to better understand their symptoms, spot early warning signs, and create daily routines that steady the mind and body. Others are navigating depression, anxiety, or the toll that mood changes can take on careers, caregiving roles, and relationships. If you’re ready to turn insight into action, sleep better, fuel your body, and nurture healthier connections, I’m here to guide you.

OCD, Anxiety, Bipolar disorder, Cultural & ethnic issues, Depression
Humorous, Solution-oriented, Warm
Accepts 9 insurance carriers
Marianna Adams

Marianna Adams

Therapist

Virtual • Havre de Grace, MD


“I am a licensed clinical social worker and a Nationally Registered Paramedic. I am Certified in Critical Incident Stress Management (CCISM) and specialize in working with first responders and their families...”
OCD, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Open-minded, Solution-oriented, Warm
Accepts 5 insurance carriers

Offers free consultationsView profile and book
Dr. Abong Miyeh

Dr. Abong Miyeh

Psychiatric Mental Health NP

Virtual • Upper Marlboro, MD


I am a Doctor of Nursing Practice (DNP) and Board-Certified Psychiatric Mental Health Nurse Practitioner (PMHNP-BC) with extensive experience providing mental health care across inpatient, outpatient, community mental health, ACT teams, and substance use treatment settings. Since beginning my mental health career, I have been dedicated to supporting individuals through complex emotional and psychiatric challenges with compassion, respect, and a trauma-informed approach.

I specialize in treating adults experiencing anxiety, depression, PTSD, trauma-related concerns, ADHD, bipolar disorder, mood disorders, emotional regulation difficulties, and substance use concerns. I have experience working with individuals from diverse backgrounds, including those navigating life transitions, chronic mental health challenges, and recovery journeys.

My approach is collaborative and individualized. I believe effective treatment begins with understanding each person’s story, strengths, and goals. I combine evidence-based medication management with supportive therapeutic techniques to help clients gain insight, build resilience, and improve overall well-being.

My goal is to create a safe and nonjudgmental space where clients feel heard, empowered, and supported as they work toward healing and meaningful change.

OCD, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Empowering, Open-minded, Participatory
Accepts 8 insurance carriers
Rani George

Rani George

Psychiatric Mental Health NP

Virtual • Maryland


“I'm passionate about helping people feel understood, supported, and empowered as they work toward better mental health and a more fulfilling life.”
OCD, ADD/ADHD, Anxiety, Bipolar disorder, Depression
Humorous, Open-minded, Solution-oriented
Accepts 5 insurance carriers

Offers free consultationsView profile and book
Becky Jacks

Becky Jacks

Psychiatric Mental Health NP

Virtual • Maryland


“From our first meeting, I commit to ensure a safe and non-judgmental environment as we identify your symptoms, mental health history, and treatment options.”
OCD, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Empowering, Solution-oriented, Warm
Accepts 9 insurance carriers
Asifa Bajwa

Asifa Bajwa

Psychiatric Mental Health NP

Virtual • Maryland


“I believe in creating a safe, supportive, and judgment-free environment where clients feel heard, respected, and actively involved in their treatment.”
OCD, ADD/ADHD, Anger management, Anxiety, Depression
Affirming, Solution-oriented, Warm
Accepts 5 insurance carriers

Offers free consultationsView profile and book
Treonte Small

Treonte Small

Psychiatric Mental Health NP

Virtual • Maryland


“I provide thorough evaluations and thoughtful medication management in a supportive, judgement-free environment.”
OCD, ADD/ADHD, Anxiety, Bipolar disorder, Depression
Open-minded, Solution-oriented, Warm
Accepts 7 insurance carriers
Oluwakemi Akinrinbola

Oluwakemi Akinrinbola

Psychiatric Mental Health NP

Virtual • Maryland


“I provide compassionate, judgment-free support to adults facing challenges like anxiety, depression, trauma, substance use, and other mental health conditions.”
OCD, ADD/ADHD, Anxiety, Bipolar disorder, Depression
Empowering, Open-minded, Warm
Accepts 10 insurance carriers

Offers free consultationsView profile and book
Adele Tzeuton

Adele Tzeuton

Psychiatric Mental Health NP

Virtual • Silver Spring, MD


“I strive to create a supportive, nonjudgmental environment where clients feel heard, respected, and empowered throughout their care.”
OCD, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Open-minded, Solution-oriented, Warm
Accepts 4 insurance carriers
Mariel Akinboye

Mariel Akinboye

Psychiatric Mental Health NP

Virtual • Maryland


I am a doctorally prepared, board-certified Psychiatric Mental Health Nurse Practitioner dedicated to providing compassionate, evidence-based mental health care. My approach is collaborative, respectful, and centered around patients' needs, goals, and lived experiences.

I provide care through a combination of comprehensive psychiatric evaluation, medication management, and supportive psychotherapy.

I am very dedicated, committed and passionate about mental health care. My goal is to renew minds, restore balance, helping my patients achieve achieve optimal health and well being. I love what I do and I care a lot about about my patients.

OCD, ADD/ADHD, Anxiety, Bipolar disorder, Depression
Open-minded, Solution-oriented, Warm
Accepts 8 insurance carriers
Sharma Ndum

Sharma Ndum

Psychiatric Mental Health NP

Virtual • Maryland


“My goal is to build a trusting relationship with each client, taking the time to understand your unique story, strengths, and goals rather than focusing only on symptoms.”
OCD, ADD/ADHD, Anxiety, Bipolar disorder, Depression
Holistic, Open-minded, Warm
Accepts 7 insurance carriers
Elana Isser

Elana Isser

Therapist

Virtual • Maryland


My name is Elana Isser. I am a licensed clinical social worker. in New Jersey, New York, and Maryland. I am a graduate of Columbia School of Social Work and I have worked with clients of all ages in hospital and outpatient telehealth settings. I use evidence-based treatments, Cognitive Behavioral Therapy, Motivational Interviewing, and Dialectical Behavioral Therapy in my work.

OCD, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Affirming, Open-minded, Solution-oriented
Accepts 2 insurance carriers

Offers free consultationsView profile and book
Lilian Kusona

Lilian Kusona

Psychiatric Mental Health NP

Virtual • Maryland


“I believe in creating a safe, nonjudgmental space where clients feel heard, respected, and empowered to share their experiences.”
OCD, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Affirming, Open-minded, Solution-oriented
Accepts 9 insurance carriers
Amy Parsons

Amy Parsons

Therapist

Virtual • Maryland


“My approach to therapy is grounded in empathy, respect and when appropriate, some light humor tailored to your unique experiences and goals.”
OCD, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Empowering, Humorous, Warm
Accepts 5 insurance carriers

About our therapists who can help with OCD located within 20 miles of Ellicott City, MD

Number of therapists within 20 miles of Ellicott City, MD
There are over 36 therapists in Ellicott City, MD accepting new patients.
36+
Average years in practice
Watercolor illustration of a bookshelf
9 years
Top specialties offered
Watercolor illustration of specialties
  • 100%Anxiety
  • 100%OCD
  • 94%Depression
  • 92%PTSD
  • 86%Stress management
Insurances accepted
Watercolor illustration of insurance cards
  • 100%Aetna
  • 81%Cigna
  • 72%CareFirst BlueCross BlueShield
  • 58%Carelon Behavioral Health
  • 53%Ascension
Languages spoken
Watercolor illustration of languages
  • 100%English
  • 8%Yoruba
  • 6%French
  • 3%Hindi
  • 3%Punjabi
How they see their clients
Watercolor illustration of therapy session
  • 100%In-person or online
Provider gender
Watercolor illustration of gender identity
  • 75%Woman
  • 25%Man
License types
Watercolor illustration of license
  • 56%Advanced Practice Registered Nurse
  • 19%Licensed Clinical Professional Counselor
  • 14%Licensed Clinical Social Worker - Clinical
  • 6%Clinical Psychologist
  • 6%Medical Doctor
Treatment approaches
Watercolor illustration of treatment approach
  • 97%Individual therapy
  • 17%Child or adolescent therapy
  • 14%Family therapy
  • 6%Couples therapy

Frequently asked questions

Therapy Chair

Happy patient looking away

Find an expert who truly understands OCD

Headway helps you manage obsessive-compulsive disorder with expert-guided support — from finding the right therapist or psychiatrist, to understanding costs, to scheduling with ease.

Find a provider - your way

Use left and right arrow keys to switch tabs. Press Shift+Tab to return to the tab list from links in the selected tab.

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