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Find a therapist in Forked River, NJ — covered by insurance

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Top therapists in Forked River, NJ accepting new patients

Seeking therapy in Forked River? Headway's network includes providers across the area ready to support your mental health journey. With free intake consultations and availability within two weeks, you can start your path to wellness without the stress of navigating costs alone.

Dr. Latisha Marshall

Dr. Latisha Marshall

Psychiatric Mental Health NP

Virtual & in-person • <1 mi away

525 Lacey Road, Forked River, NJ

“After ending a session, clients can expect to feel empowered and left with tools and guides on how to continually meet their goals.”

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

Empowering, Open-minded, Warm

Accepts Aetna, United Healthcare, Cigna,

Melissa Thompson

Melissa Thompson

Therapist

Virtual & in-person • 1.2 mi away

620 Lacey Road, Forked River, NJ

“My approach is warm, collaborative, and empowering. I believe therapy should feel like a safe space to breathe, reflect, and begin to heal.”

Anger management, Anxiety, Depression, Family issues,

Empowering, Solution-oriented, Warm

Accepts Horizon Blue Cross and Blue Shield of New Jersey, Aetna, United Healthcare,

Naomi Stuart

Naomi Stuart

Therapist

Virtual & in-person • 1.2 mi away

620 Lacey Road, Forked River, NJ

“The ability to create inner peace is within our grasp through mindfulness, caring for your physical self and identifying ineffective ways of thinking.”

Anger management, Anxiety, Bipolar disorder, Cultural & ethnic issues,

Affirming, Open-minded, Warm

Accepts Horizon Blue Cross and Blue Shield of New Jersey, United Healthcare, Oxford,

Dr. Jennie Boyle

Dr. Jennie Boyle

Psychiatric Mental Health NP

Virtual & in-person • 5.8 mi away

333 U.S. 9, Berkeley Township, NJ

“My goal is to understand each patient within the full context of their life, including biological, psychological, social, and environmental factors that influence mental health.”

ADD/ADHD, Anxiety, Bipolar disorder, Depression,

Empowering, Holistic, Warm

Accepts Horizon Blue Cross and Blue Shield of New Jersey, Aetna, United Healthcare,

David Seegert

David Seegert

Therapist

Virtual & in-person • 7 mi away

245 Atlantic City Boulevard, Beachwood, NJ

I obtained my Master's Degree in Social Work from Stony Brook University in 2005 after studying oppressed and marginalized populations living in and around the NYC region. After working for several years with youth and adults in a variety of settings including in-homes, schools, and health-care settings, I obtained my Licensed Clinical Social Work credentials in 2009. I am also a NJ Certified Social Work Clinical supervisor. I look forward to our time spent together.

Anger management, Anxiety, Chronic conditions, Depression,

Affirming, Open-minded, Solution-oriented

Accepts Horizon Blue Cross and Blue Shield of New Jersey, Aetna, Cigna,

Angelica Rauer

Angelica Rauer

Therapist

Virtual & in-person • 9 mi away

1035 Hooper Avenue, Toms River, NJ

“I approach my sessions with an open-mind. Every session varies based on each client's needs and my goal is to help you become the best version of yourself.”

Anxiety, Depression, Grief or loss, Infertility,

Direct, Solution-oriented, Warm

Accepts Horizon Blue Cross and Blue Shield of New Jersey, Aetna, United Healthcare,


Offers free consultationsView profile and book
Tara Clifford

Tara Clifford

Therapist

Virtual & in-person • 7.8 mi away

250 Washington Street, Toms River, NJ

“I believe in creating an environment where you can be yourself without fear of judgment. I'll listen, support you, ask questions, and sometimes gently challenge you to look at situations from a different perspective.”

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

Empowering, Humorous, Open-minded

Accepts Horizon Blue Cross and Blue Shield of New Jersey, Aetna, United Healthcare,

Olivia Kennedy

Olivia Kennedy

Therapist

Virtual & in-person • 8.1 mi away

509 Main Street, Toms River, NJ

“My style is direct and welcoming. That means I will support you while holding you accountable to your goals.”

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

Direct, Open-minded, Participatory

Accepts Horizon Blue Cross and Blue Shield of New Jersey, Aetna, United Healthcare,


Offers free consultationsView profile and book
Greg Caiafa

Greg Caiafa

Therapist

Virtual & in-person • 7.7 mi away

10 Allen Street, Toms River, NJ

“I believe in a strength-based approach, which helps you identify your strongest assets and build on them to overcome your challenges.”

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

Holistic, Humorous, Solution-oriented

Accepts Horizon Blue Cross and Blue Shield of New Jersey, Aetna, United Healthcare,

Tiffaney Ring

Tiffaney Ring

Therapist

Virtual & in-person • 8.8 mi away

20 Hospital Drive, Toms River, NJ

“Tiffaney works from an individualized approach utilizing insightfulness and client rapport to create unique treatment approaches for each client.”

Anxiety, Depression, Identity issues, Stress management,

Open-minded, Solution-oriented, Warm

Accepts Horizon Blue Cross and Blue Shield of New Jersey, Aetna, United Healthcare,

Jayme Rivera

Jayme Rivera

Therapist

Virtual & in-person • 7.8 mi away

252 Washington Street, Toms River, NJ

“My goal is to help you feel empowered so that you can overcome the barriers that have prevented you from reaching your full potential.”

ADD/ADHD, Anxiety, Depression, PTSD,

Empowering, Open-minded, Solution-oriented

Accepts Horizon Blue Cross and Blue Shield of New Jersey, Aetna, United Healthcare,


Offers free consultationsView profile and book
Lisa Musarra

Lisa Musarra

Therapist

Virtual & in-person • 13 mi away

50 North 3rd Street, Surf City, NJ

“My approach focuses on you, the client, understanding your unique needs and "meeting you where you are."”

Anger management, Anxiety, Bipolar disorder, Depression,

Affirming, Empowering, Solution-oriented

Accepts Horizon Blue Cross and Blue Shield of New Jersey, Aetna, United Healthcare,

Rivky Sklar

Rivky Sklar

Psychiatric Mental Health NP

Virtual & in-person • 12 mi away

1815 Lakewood Road, Toms River, NJ

“I emphasize patient education and collaborative decision-making so clients feel informed and confident in their care...”

Anger management, Anxiety, Bipolar disorder, Depression,

Empowering, Participatory, Solution-oriented

Accepts Horizon Blue Cross and Blue Shield of New Jersey, Aetna, United Healthcare,

Sharon Miller

Sharon Miller

Therapist

Virtual & in-person • 13 mi away

1916 Cherryvale Court, Toms River, NJ

“I use a variety of different therapy approaches so we can use the best approach for you so you get what you need from therapy.”

ADD/ADHD, Anger management, Anxiety, Cultural & ethnic issues,

Holistic, Inquisitive, Open-minded

Accepts Aetna, United Healthcare, Oxford,


Offers free consultationsView profile and book
Abraham Weiskopf

Abraham Weiskopf

Therapist

Virtual & in-person • 15 mi away

216 River Avenue, Lakewood, NJ

“I don't believe that therapy should be a one-size-fits-all approach. I utilize an eclectic approach to therapy to match your specific challenge and personality.”

Anger management, Anxiety, Bipolar disorder, Cultural & ethnic issues,

Empowering, Solution-oriented, Warm

Accepts Horizon Blue Cross and Blue Shield of New Jersey, Aetna, United Healthcare,


Offers free consultationsView profile and book
Moshe Wax

Moshe Wax

Therapist

Virtual & in-person • 16 mi away

701 Cross Street, Lakewood, NJ

“I will listen to you without judgment, help you understand what's going on, and give you practical tools you can actually use to feel better and improve your relationships.”

Anger management, Anxiety, Depression, Family issues,

Empowering, Holistic, Warm

Accepts Horizon Blue Cross and Blue Shield of New Jersey, Aetna, United Healthcare,


Offers free consultationsView profile and book
Malky Shaulson

Malky Shaulson

Therapist

Virtual & in-person • 15 mi away

58 Enclave Boulevard, Lakewood, NJ

“My goal is for clients to develop a sense that they are not controlled by past or current experiences or the sensory and emotional imprint of trauma.”

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

Affirming, Solution-oriented, Warm

Accepts Horizon Blue Cross and Blue Shield of New Jersey, Aetna, United Healthcare,

Devora Segall

Devora Segall

Therapist

Virtual & in-person • 16 mi away

701 Cross Street, Lakewood, NJ

I am an LCSW with many years experience working with trauma survivors and mothers. I teach DBT skills to help you manage stress and relationships and build a life worth living. Then I utilize IFS and EMDR to help you process past trauma so you can feel even better.

Anxiety, Family issues, PTSD, Relationship issues,

Holistic, Solution-oriented, Warm

Accepts Horizon Blue Cross and Blue Shield of New Jersey, Aetna, United Healthcare,

Michelle Claudette Sierra-Pappas

Michelle Claudette Sierra-Pappas

Therapist

Virtual & in-person • 15 mi away

445 Brick Boulevard, Brick Township, NJ

“My approach in session is collaborative with client and validating of client's thoughts, emotions, and physical sensations that are impacted by clients experiences.”

ADD/ADHD, Anger management, Anxiety, Cultural & ethnic issues,

Affirming, Empowering, Open-minded

Accepts Aetna, United Healthcare, Cigna,


Offers free consultationsView profile and book
Chanan Davis

Chanan Davis

Therapist

In-person • 17 mi away

235 River Avenue, Lakewood, NJ

“I'm a Licensed Marriage and Family Therapist dedicated to helping individuals move beyond symptoms and into deeper, lasting healing.”

Anxiety, Bipolar disorder, Depression, OCD,

Affirming, Direct, Warm

Accepts Horizon Blue Cross and Blue Shield of New Jersey, Aetna, United Healthcare,


Offers free consultationsView profile and book
Caroline Barasch

Caroline Barasch

Therapist

Virtual & in-person • 19 mi away

1771 Madison Avenue, Lakewood, NJ

“I have helped many clients with depression, anxiety, self esteem, grief, relationship challenges, and life transitions.”

ADD/ADHD, Anger management, Anxiety, Depression,

Creative, Empowering, Warm

Accepts Horizon Blue Cross and Blue Shield of New Jersey, Aetna, Cigna,

Antinique Williams

Antinique Williams

Therapist

Virtual & in-person • 19 mi away

707 Arnold Avenue, Point Pleasant Beach, NJ

Hello and welcome! I have been assisting clients with navigating some of the most difficult stages of life. I have provided services with clients between the ages of 4 and 96. I specialize in aging, grief/loss and life transitions.

Anxiety, Cultural & ethnic issues, Depression, End of life care,

Empowering, Open-minded, Solution-oriented

Accepts Horizon Blue Cross and Blue Shield of New Jersey, Aetna, Cigna,

Megan Feingold

Megan Feingold

Therapist

Virtual & in-person • 19 mi away

302 Hawthorne Avenue, Point Pleasant Beach, NJ

“I utilize Cognitive Behavioral Therapy with a mindfulness approach to treat symptoms of anxiety and depression, giving my clients tools to use on a daily basis to help them to achieve and maintain a sense of stability and clarity.”

Anxiety, Depression, Family issues, Grief or loss,

Affirming, Open-minded, Warm

Accepts Horizon Blue Cross and Blue Shield of New Jersey, Aetna, United Healthcare,

Eliezer Jacobson (Anxiety & Ocd Specialist)

Eliezer Jacobson (Anxiety & Ocd Specialist)

Therapist

Virtual & in-person • 19 mi away

25 West Virginia Avenue, Jackson Township, NJ

Struggling with anxiety, OCD or just not feeling yourself? I am a Licensed Clinical Social Worker with years of experience helping adult men and teenagers overcome challenges and get their life back on track. There’s no need to suffer in silence. I will put my care and training to work getting You on your feet and back in the game. Schedule a session today in order to start your healing journey.

Anger management, Anxiety, Chronic conditions, Cultural & ethnic issues,

Empowering, Humorous, Warm

Accepts Horizon Blue Cross and Blue Shield of New Jersey, Aetna, Cigna,

Lauren Casas

Lauren Casas

Therapist

In-person • 20 mi away

800 Riverview Drive, Brielle, NJ

“Warm, steady, and deeply attuned, Lauren creates a nurturing space where children can heal and grow, especially those recovering from trauma, navigating anxiety, or adjusting to family changes such as divorce or other significant life challenges.”

ADD/ADHD, Anger management, Anxiety, Depression,

Creative, Energetic, Warm

Accepts Aetna insurance

Joanne Wilson Russell

Joanne Wilson Russell

Psychiatric Mental Health NP

Virtual & in-person • 23 mi away

524 Brighton Avenue, Spring Lake, NJ

“I believe in the power of empathy and understanding. I ensure that every client feels heard, valued, and supported.”

Anxiety, Bipolar disorder, Depression, End of life care,

Empowering, Holistic, Solution-oriented

Accepts Horizon Blue Cross and Blue Shield of New Jersey, Aetna, United Healthcare,

Marzena Incolla

Marzena Incolla

Psychiatric Mental Health NP

Virtual & in-person • 21 mi away

1913 Atlantic Avenue, Manasquan, NJ

“I combine medication management with therapy-informed care (CBT, DBT skills) to help you feel better, think more clearly, and regain control of your life.”

ADD/ADHD, Anxiety, Bipolar disorder, Depression,

Empowering, Open-minded, Warm

Accepts Horizon Blue Cross and Blue Shield of New Jersey, Aetna, United Healthcare,

Samantha Frey

Samantha Frey

Therapist

Virtual & in-person • 22 mi away

2130 New Jersey 35, Sea Girt, NJ

Hi! Your therapy is in your control when working with me. I obtained my LCSW to work along side those in need of finding themselves. I have been working in the field for the past 6 years helping others find their strength, set boundaries and communicate more effectively. I help those struggling with addiction, life transitions, depression, anxiety, grief, communication and trauma. I have worked in various settings with children and adults who may be new mothers, changing a career or emerging aduts . I want to help guide you to find your confidence by challenging and supporting you.

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

Affirming, Challenging, Warm

Accepts Horizon Blue Cross and Blue Shield of New Jersey, Aetna, Cigna,

Dr. Natalie Woszczak

Dr. Natalie Woszczak

Psychologist

Virtual & in-person • 22 mi away

1973 New Jersey 34, Wall Township, NJ

“Dr. Woszczak specializes in evidence-based cognitive-behavioral treatment of generalized anxiety, social anxiety, specific phobias, school refusal, behavioral disorders, ADHD, and mood disorders in children and adolescents.”

ADD/ADHD, Anger management, Anxiety, Depression,

Empowering, Holistic, Warm

Accepts Aetna insurance


Offers free consultationsView profile and book
Erica Hansen

Erica Hansen

Therapist

Virtual & in-person • 23 mi away

1924 New Jersey 35, Wall Township, NJ

Welcome, I believe mental health is key to happiness and stability in life. I’ve been practicing for 20 years, with my main focus of practice being anxiety and life transitions.

Anxiety, Depression, Family issues, Infertility,

Affirming, Solution-oriented, Warm

Accepts Horizon Blue Cross and Blue Shield of New Jersey, Aetna, United Healthcare,

Edwin Bonilla

Edwin Bonilla

Psychiatric Mental Health NP

Virtual & in-person • 26 mi away

201 West Sylvania Avenue, Neptune City, NJ

“I work with patients across the lifespan in developing a collaborative relationship to improve their mental health symptoms.”

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

Empowering, Holistic, Open-minded

Accepts Horizon Blue Cross and Blue Shield of New Jersey, Aetna, United Healthcare,


Offers free consultationsView profile and book
Thomas Hyland

Thomas Hyland

Therapist

Virtual & in-person • 24 mi away

1540 New Jersey 138, Belmar, NJ

“I strive to create an environment of respect and cooperation in which you can identify your desired outcome and together we can work to achieve it.”

ADD/ADHD, Anger management, Anxiety, Cultural & ethnic issues,

Affirming, Humorous, Warm

Accepts Horizon Blue Cross and Blue Shield of New Jersey, Aetna, United Healthcare,

Dr. Syed Zaidi

Dr. Syed Zaidi

Psychiatrist

Virtual & in-person • 28 mi away

501 Iron Bridge Road, Freehold Township, NJ

Dr. Zaidi is Triple Board Certified in Psychiatry/Neurology, Child & Adolescent Psychiatry and Addiction Medicine. He has encompassed more than thirty years of extensive and diverse experience in the field of Child, Adolescent & Family Psychiatry. Dr. Zaidi was responsible for the management of a Monmouth Medical Center Children’s Crisis Intervention Service staff and operations; establishing patient services for adolescents, including day and overnight hospitalization; and supervision of multidisciplinary staff in various settings. Dr. Zaidi served as a Clinical Assistant Professor within the Department of Psychiatry at the Drexel School of Medicine. As a Site Director for Psychiatry, he provided supervision and training of medical students and pediatric residents on rotation at Monmouth Medical Center for Drexel School of Medicine and the Physicians Assistants Program from UMDNJ and Seton Hall. Dr. Zaidi has seen children, adolescents, and adults in private practice for over a decade. Dr. Zaidi is certified by the Board of Education to conduct psychiatric evaluations for school districts for Monmouth and surrounding counties.

​

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

Inquisitive, Solution-oriented, Warm

Accepts Aetna, Cigna, Carelon Behavioral Health,

Guerline Dume-Lotin

Guerline Dume-Lotin

Psychiatric Mental Health NP

Virtual & in-person • 24 mi away

1540 New Jersey 138, Wall Township, NJ

“I use an integrated based approach of care. I look at every client as unique in order to make specific individualized treatment recommendations.”

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

Empowering, Holistic, Open-minded

Accepts Horizon Blue Cross and Blue Shield of New Jersey, Aetna, United Healthcare,

Amanda Patterson

Amanda Patterson

Therapist

Virtual & in-person • 29 mi away

1205 New Jersey 35, Ocean Township, NJ

Hello! After completing clinical social work studies at Saint Louis University's College of Public Health and Social Justice in 2014 I practiced community mental health in hospice and adult outpatient throughout Monmouth County, NJ till 2022. During this time I became EMDRIA certified (2020), and have continued to grow in exposure with the grief process. Seeing the inextricable link between chronic illness and trauma has fueled my commitment to seek diverse tools for assisting clients while they are living.

Anxiety, Cultural & ethnic issues, Depression, End of life care,

Challenging, Creative, Empowering

Accepts Aetna, United Healthcare, Cigna,

Amelia Vitale

Amelia Vitale

Therapist

Virtual & in-person • 29 mi away

1300 New Jersey 35, Ocean Township, NJ

What if you could learn to embrace the parts of yourself that feel anxious or sad? Through Internal Family Systems therapy, we’ll work together to break free from unhelpful emotions and behaviors, finding harmony with all the intricate parts of you—even the ones you might see as unlovable.

Anxiety, Depression, Family issues, LGBTQIA+,

Empowering, Inquisitive, Warm

Accepts Horizon Blue Cross and Blue Shield of New Jersey, Aetna, Cigna,


Offers free consultationsView profile and book
Kyle Bonner

Kyle Bonner

Therapist

Virtual & in-person • 21 mi away

3121 Atlantic Avenue, Allenwood, NJ

My ideal client is someone wrestling with feelings of shame, guilt, and a lack of authenticity. They may be navigating societal pressures or personal challenges that keep them from embracing who they are fully. Often, they feel held back by the weight of living up to others' expectations and yearn for a life where they can be unapologetically themselves. They want a space to explore and validate their lived experiences, uncover their genuine self, and build a life that feels both radically authentic and fulfilling.

Anxiety, Depression, Identity issues, LGBTQIA+,

Challenging, Humorous, Open-minded

Accepts Horizon Blue Cross and Blue Shield of New Jersey, Aetna, Cigna,


Offers free consultationsView profile and book
Rebecca King

Rebecca King

Therapist

Virtual & in-person

309 South New York Road, Galloway, NJ

As a Licensed Professional Counselor (LPC) and a Perinatal Mental Health-Certified (PMH-C) therapist, I specialize in perinatal mental health, utilizing Cognitive Behavioral Therapy and other therapeutic modalities (IPT, DBT, IFS) to help women reduce anxiety and depression during this season. With a background in women's studies, I offer personalized and compassionate support for moms, moms-to-be, and women in all seasons.

Anxiety, Depression, Family issues, Identity issues,

Open-minded, Solution-oriented, Warm

Accepts Horizon Blue Cross and Blue Shield of New Jersey, Aetna, United Healthcare,


Offers free consultationsView profile and book
Natasha Wright

Natasha Wright

Therapist

Virtual & in-person • 26 mi away

122 West Sylvania Avenue, Neptune City, NJ

“I am passionate about empowerment, personal responsibility, self-care, discovering the authentic self and developing healthy autonomy.”

Anger management, Anxiety, Depression, Family issues,

Creative, Empowering, Solution-oriented

Accepts Horizon Blue Cross and Blue Shield of New Jersey, Aetna, United Healthcare,


Offers free consultationsView profile and book
Kate Zebrowski

Kate Zebrowski

Therapist

Virtual & in-person • 26 mi away

122 West Sylvania Avenue, Neptune City, NJ

“I strive to empower my clients to regain focus on what is in their control, while learning to accept what is not.”

ADD/ADHD, Anxiety, Depression, Grief or loss,

Creative, Empowering, Warm

Accepts Horizon Blue Cross and Blue Shield of New Jersey, Aetna, United Healthcare,


Offers free consultationsView profile and book
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About our therapists located within 20 miles of Forked River, NJ

Number of therapists within 20 miles of Forked River, NJ
There are over 29 therapists in Forked River, NJ accepting new patients.
29+
Average years in practice
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9 years
Top specialties offered
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  • 100%Anxiety
  • 93%Depression
  • 90%Stress management
  • 76%Relationship issues
  • 76%Trauma
Insurances accepted
Watercolor illustration of insurance cards
  • 97%Aetna
  • 86%Horizon Blue Cross and Blue Shield of New Jersey
  • 79%United Healthcare
  • 79%Blue Cross Blue Shield of Massachusetts
  • 79%Carelon Behavioral Health
Languages spoken
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  • 100%English
  • 10%Hebrew
  • 7%Yiddish
  • 3%Spanish
How they see their clients
Watercolor illustration of therapy session
  • 93%In-person or online
  • 7%In-person only
Provider gender
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  • 76%Woman
  • 24%Man
License types
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  • 62%Licensed Clinical Social Worker
  • 21%Licensed Professional Counselor
  • 14%Advanced Practice Nurse
  • 3%Licensed Marriage/Family Therapist
Treatment approaches
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  • 100%Individual therapy
  • 24%Family therapy
  • 14%Couples therapy
  • 7%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 Forked River

Searching for therapists in Forked River starts with finding someone whose training matches what you want support with. Therapists may focus on concerns like anxiety, depression, grief, relationship challenges, stress, or life transitions. As you compare options, look for specialties and approaches that fit your needs, such as cognitive behavioral therapy, trauma-informed care, family therapy, or support for specific life stages. A therapist’s profile can also show how they structure sessions and what you can expect from working together.

In a smaller community like Forked River, the number of nearby therapists may be more limited than in larger New Jersey cities. Virtual appointments can expand your options while still allowing you to work with a therapist licensed in New Jersey. When narrowing your search, consider appointment availability, whether the therapist is accepting new clients, and whether they offer a free phone consultation. Reading bios before booking can help you compare communication style, areas of focus, and practical fit.

Therapy in Forked River can be a significant expense without insurance. Using in-network insurance is one of the most reliable ways to reduce session costs and make care more affordable. 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 browse therapists, review profiles, 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.