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Find a therapist in Manasquan, NJ — covered by insurance

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Top therapists in Manasquan, NJ accepting new patients

Find mental healthcare support in Manasquan, NJ with Headway's network of 4,319 licensed providers. Access talk therapy and medication management through flexible in-person or virtual sessions covered by insurance, with many patients paying as low as $0 per session.

Joanne Wilson Russell

Joanne Wilson Russell

Psychiatric Mental Health NP

Virtual & in-person • 2.5 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,

Lauren Casas

Lauren Casas

Therapist

In-person • 1.2 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

Samantha Frey

Samantha Frey

Therapist

Virtual & in-person • 1.5 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,

Marzena Incolla

Marzena Incolla

Psychiatric Mental Health NP

Virtual & in-person • 1.8 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,

Megan Feingold

Megan Feingold

Therapist

Virtual & in-person • 1.8 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,

Antinique Williams

Antinique Williams

Therapist

Virtual & in-person • 2.1 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,

Erica Hansen

Erica Hansen

Therapist

Virtual & in-person • 2.4 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,

Dr. Natalie Woszczak

Dr. Natalie Woszczak

Psychologist

Virtual & in-person • 3.3 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
Edwin Bonilla

Edwin Bonilla

Psychiatric Mental Health NP

Virtual & in-person • 5.5 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
Guerline Dume-Lotin

Guerline Dume-Lotin

Psychiatric Mental Health NP

Virtual & in-person • 3.5 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,

Thomas Hyland

Thomas Hyland

Therapist

Virtual & in-person • 3.5 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,

Kate Zebrowski

Kate Zebrowski

Therapist

Virtual & in-person • 5.4 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
Natasha Wright

Natasha Wright

Therapist

Virtual & in-person • 5.4 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
Kyle Bonner

Kyle Bonner

Therapist

Virtual & in-person • 3 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
Amanda Patterson

Amanda Patterson

Therapist

Virtual & in-person • 8.4 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 • 8.5 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
Allen Gabriel

Allen Gabriel

Therapist

Virtual & in-person • 5.2 mi away

63 West Sylvania Avenue, Neptune City, NJ

“I use evidence-based approaches like REBT, Reality Therapy, and Client-Centered Therapy to help clients build healthier habits, stronger relationships, and better decision-making skills.”

Anxiety, Depression, Family issues, Identity issues,

Creative, Empowering, Humorous

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

Ashley Bechtle

Ashley Bechtle

Psychiatric Mental Health NP

Virtual & in-person • 1.5 mi away

2640 New Jersey 70, Manasquan, NJ

“With me you'll find more than just medical expertise; you'll find a friendly face and a compassionate heart...”

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

Holistic, Solution-oriented, Warm

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

Angela Fahmy

Angela Fahmy

Therapist

Virtual & in-person • 1.5 mi away

2130 New Jersey 35, Sea Girt, NJ

I’m a Licensed Professional Counselor and Approved Clinical Supervisor with experience helping adults, couples, and families navigate anxiety, relationship stress, family conflict, parenting challenges, and major life transitions. I work especially well with people who want to better understand themselves while also improving how they communicate, respond, and participate in the relationships that matter most to them.



My style is warm, conversational, and down-to-earth. I take the time to understand your full story—not just your symptoms—and I believe therapy should help you become a healthier, more emotionally intelligent version of yourself. For clients who desire it, I also offer counseling that thoughtfully incorporates Christian faith and values.

Anxiety, Depression, Family issues, Maternal mental health,

Challenging, Empowering, Warm

Accepts Aetna, United Healthcare, Cigna,


Offers free consultationsView profile and book
Caroline Barasch

Caroline Barasch

Therapist

Virtual & in-person • 9 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,

Michelle Claudette Sierra-Pappas

Michelle Claudette Sierra-Pappas

Therapist

Virtual & in-person • 7.1 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 • 9.3 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
Rebeccah Burnett

Rebeccah Burnett

Therapist

Virtual & in-person • 9.7 mi away

220 Monmouth Road, Oakhurst, NJ

I am trained in Psychotherapy, Psychodrama and Reiki. I am committed to helping you learn how to build a healthier relationship with yourself and others.

Anxiety, Depression, Identity issues, Stress management,

Creative, Holistic, Warm

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

Moshe Wax

Moshe Wax

Therapist

Virtual & in-person • 11 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
Tania Ades

Tania Ades

Therapist

Virtual & in-person • 9.8 mi away

901 West Park Avenue, Ocean Township, NJ

“I strive to create a comfortable environment for you to feel safe while exploring your thoughts and feelings, wants and needs.”

Anxiety, Bipolar disorder, Depression, Identity issues,

Empowering, Open-minded, Solution-oriented

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


Offers free consultationsView profile and book
Sharon Miller

Sharon Miller

Therapist

Virtual & in-person • 10 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
Eliezer Jacobson (Anxiety & Ocd Specialist)

Eliezer Jacobson (Anxiety & Ocd Specialist)

Therapist

Virtual & in-person • 10 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,

Abraham Weiskopf

Abraham Weiskopf

Therapist

Virtual & in-person • 9.1 mi away

770 Marlin 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
Pauline Bailo

Pauline Bailo

Therapist

Virtual & in-person • 10 mi away

99 Corbett Way, Eatontown, NJ

“I provide a judgement free space, use humor when appropriate, use my dog in sessions, and overall excited to help people.”

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

Affirming, Energetic, Open-minded

Accepts Aetna, United Healthcare, Oxford,

Malky Shaulson

Malky Shaulson

Therapist

Virtual & in-person • 11 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 • 11 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,

Angelica Rauer

Angelica Rauer

Therapist

Virtual & in-person • 13 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
Moshe Frances

Moshe Frances

Psychiatric Mental Health NP

Virtual & in-person • 8 mi away

1600 New Jersey 70, Lakewood, NJ

“I am a board-certified psychiatric mental health nurse practitioner with experience working in psychiatry and addiction.”

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

Creative, Humorous, 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,

Melanie DeNardo

Melanie DeNardo

Psychiatric Mental Health NP

Virtual & in-person • 8.5 mi away

1300 New Jersey 35, Ocean Township, NJ

“In addition to my professional experience, I am also a mother to a child with OCD and Autism Spectrum Disorder, which gives me a deeper understanding of the challenges families face.”

ADD/ADHD, Anxiety, Depression, OCD,

Holistic, Inquisitive, Warm

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

Dr. Helena Correia

Dr. Helena Correia

Psychiatric Mental Health NP

Virtual & in-person • 14 mi away

620 Shrewsbury Avenue, Tinton Falls, NJ

I have 31 years of nursing experience and specialize in the evaluation and treatment of mental health conditions, including postpartum depression. I also treat anxiety, depression, mood disorders, PTSD and OCD. I started out in maternity and pediatrics as my nursing career and then went back to school for my masters, PMHNP certification and doctoral degree. I have also taught nursing students in undergraduate and graduate curriculums. I believe meaningful healing starts with being truly heard. I take a holistic, collaborative approach to care—working with you to understand the root causes of your symptoms and develop a personalized treatment plan that supports your overall well-being, looking at medications and holistic measures such as diet and supplements in order to heal. Some of the most important nutrients essential for brain health include Vitamin B12, Vitamin B6, Vitamin D Vitamin A Folate and Protein. Treatment includes evidence-based medications, therapy, supplements, and nutrition management tailored to your unique needs, culture, goals, and comfort level. I believe in managing your gut health can manage your brain health and provide you to be a better healthier person inside out. Treatment plans are individualized, collaborative, and focused on restoring stability, functioning, and overall well-being.

ADD/ADHD, Anxiety, Bipolar disorder, Depression,

Holistic, Open-minded, Warm

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

Cleonese Dasent-Green

Cleonese Dasent-Green

Therapist

Virtual & in-person • 14 mi away

44 Apple Street, Tinton Falls, NJ

“I take a warm, creative, and holistic approach, creating a safe and supportive environment where children, adolescents, and families feel seen, understood, and empowered.”

Chronic conditions, Depression, Maternal mental health

Affirming, Holistic, Solution-oriented

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

Susana Pestana-Szwarc

Susana Pestana-Szwarc

Therapist

Virtual & in-person • 13 mi away

39 Avenue at the commons, Shrewsbury, NJ

“With nearly 12 years of experience working with children, teens, adults and families I respect the uniqueness of each client from different backgrounds and belief systems.”

Anger management, Anxiety, Cultural & ethnic issues, Depression,

Empowering, Open-minded, Warm

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

Tara Clifford

Tara Clifford

Therapist

Virtual & in-person • 14 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 • 14 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
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About our therapists located within 20 miles of Manasquan, NJ

Number of therapists within 20 miles of Manasquan, NJ
There are over 64 therapists in Manasquan, NJ accepting new patients.
64+
Average years in practice
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9 years
Top specialties offered
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  • 98%Anxiety
  • 94%Depression
  • 80%Stress management
  • 70%Relationship issues
  • 64%Family issues
Insurances accepted
Watercolor illustration of insurance cards
  • 100%Aetna
  • 88%Horizon Blue Cross and Blue Shield of New Jersey
  • 80%Carelon Behavioral Health
  • 78%Cigna
  • 75%United Healthcare
Languages spoken
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  • 98%English
  • 13%Spanish
  • 5%Hebrew
  • 3%Portuguese
  • 3%Yiddish
How they see their clients
Watercolor illustration of therapy session
  • 97%In-person or online
  • 3%In-person only
Provider gender
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  • 80%Woman
  • 20%Man
License types
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  • 48%Licensed Clinical Social Worker
  • 27%Licensed Professional Counselor
  • 19%Advanced Practice Nurse
  • 3%Licensed Psychologist
  • 2%Substance Use Disorder
Treatment approaches
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  • 100%Individual therapy
  • 22%Family therapy
  • 16%Couples therapy
  • 14%Child or adolescent therapy

Frequently asked questions

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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 Manasquan

Searching for therapists in Manasquan starts with knowing what kind of support and fit you want. Therapists may help with concerns like anxiety, depression, relationship challenges, grief, life transitions, and stress. As you compare options, look for a therapist whose listed specialties, training, and approach match what you want to focus on. Reading bios can help you understand whether a therapist uses approaches like cognitive behavioral therapy, dialectical behavior therapy, or trauma-informed care, and what sessions may feel like.

In a smaller coastal community like Manasquan, the number of nearby in-person therapists may be more limited than in larger parts of Monmouth County or nearby Ocean County. Virtual appointments can expand your options while still connecting you with a therapist licensed in New Jersey. As you narrow your search, consider appointment availability, whether the therapist is accepting new patients, and whether they offer a free phone consultation. A therapist’s profile can also show how they describe their communication style, session structure, and experience with concerns similar to yours.

Therapy in Manasquan 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 easier to plan for. Headway helps you find therapists who accept a wide range of insurance plans, view estimated out-of-pocket costs before booking, and choose between in-person and virtual appointments. You can browse therapists in Manasquan, review bios, and book directly when you’re ready.

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