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Prenatal and postpartum therapists & psychiatrists in Charlotte, NC

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People with insurance pay as low as $0 per session through Headway

Top prenatal and postpartum therapists and psychiatrists in Charlotte, NC

Postpartum mental health support in Charlotte connects you with 811 licensed providers experienced in perinatal care. Headway offers flexible virtual and in-person sessions to address postpartum concerns, with many patients paying as low as $0 per session through insurance.

Sarah Moore

Sarah Moore

Therapist

Virtual • North Carolina


“I use a combination of therapeutic techniques such as Acceptance and Commitment Therapy, Cognitive Behavioral Therapy, IFS, and psychodynamic approaches because any approach has to be based on your experience and goals.”
Maternal mental health, ADD/ADHD, Anxiety, Bipolar disorder, Chronic conditions
Open-minded, Participatory, Warm
Accepts 8 insurance carriers
Gina Serrao

Gina Serrao

Therapist

Virtual • North Carolina


“My goal is to create a safe space for clients to explore their thoughts and feelings, collaboratively work toward their goals, and equip them with effective coping skills.”
Maternal mental health, ADD/ADHD, Anger management, Anxiety, Depression
Open-minded, Solution-oriented, Warm
Accepts 9 insurance carriers

Offers free consultationsView profile and book
Bonnie Phillips

Bonnie Phillips

Therapist

Virtual • Asheville, NC


Bonnie Phillips is a Licensed Marriage and Family Therapist with over 20 years of clinical experience. She earned her Master’s degree in Marriage and Family Therapy from Chapman University in 2005 and began her career working in schools, group homes, hospitals, and private practice. This diverse background allows her to support clients through a wide range of life challenges with compassion and understanding.

Creating a trusting and supportinve relationship is Bonnie’s top priority. She values genuineness, empathy, and active listening, and considers it a privilege to walk alongside clients as they build practical skills, access their inner strengths, and move toward greater emotional balance and well-being.

Maternal mental health, Anxiety, Chronic conditions, Depression, Family issues
Inquisitive, Open-minded, Warm
Accepts 5 insurance carriers
Tawana Prince

Tawana Prince

Therapist

Virtual • North Carolina


“With a purpose to meet people with compassion and empathy, this licensed clinician fully understands the impact of leadership and the necessity for guidance.”
Maternal mental health, ADD/ADHD, Anger management, Anxiety, Depression
Direct, Empowering, Open-minded
Accepts 9 insurance carriers

Offers free consultationsView profile and book
Ifeoma Okani

Ifeoma Okani

Psychiatric Mental Health NP

Virtual • North Carolina


I, Ifeoma Okani, is a board-certified psychiatric mental health nurse practitioner (PMHNP). I specialize in working with individuals who feel overwhelmed by anxiety, depression, bipolar disorder, ADHD, trauma, PTSD, insomnia, adjustment disorders, OCD, schizophrenia, eating disorders, and addiction. Many of my clients are juggling multiple roles and seek a safe, culturally sensitive space where they feel truly heard and understood. Their goal isn’t just to feel better but to reconnect with themselves, heal from past pain, and thrive emotionally. They want personalized, compassionate care that supports meaningful growth, not just symptom relief. I help by providing a safe, culturally sensitive space where you’ll feel heard and supported. Using compassionate, evidence-based care, I offer psychiatric evaluations, medication management, and supportive therapy tailored to your needs. In our early sessions, we’ll build trust, explore your concerns, and create a personalized plan to support your healing. My practice is unique because I focus not only on symptom relief but on helping clients reconnect with themselves, heal deeply, and thrive long-term. I’m passionate about supporting others so they never feel alone in their struggles. I am committed to providing the support, insight, and clinical expertise you need to restore your peace and well-being.

Maternal mental health, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Empowering, Holistic, Warm
Accepts 9 insurance carriers
Rachel Lauber

Rachel Lauber

Therapist

Virtual • North Carolina


I hold a Masters Degree in Social Work from the University of Tennessee and hold my clinical licensure in the state of North Carolina. I have spent much of my career serving those at end of life and also have experience assisting caregivers, those in transitional phases of life, and those who are bereaved. As a mother, I am invested in the wellness of all mothers and women and feel deep appreciation for the way mothers show up for countless others before themselves. I look forward to learning how I can walk alongside you in this journey.

Maternal mental health, Anxiety, Depression, Eating disorders, End of life care
Affirming, Solution-oriented, Warm
Accepts 13 insurance carriers
Madison Hill

Madison Hill

Therapist

Virtual • North Carolina


Hey hey! My name is Madison and I am a Licensed Clinical Social Worker Associate in the State of NC. I received my Bachelor of Science in Human Development and Family Studies from UNC - Greensboro and my Master in Social Work from North Carolina Central University. I have a passion to work with adolescents and young adults, who aspire to be seen, heard, and ready to do the work towards a better self. As a previous teenager and as a young adult, I empathize with so many lived experiences that take place during these stages of development.

Maternal mental health, ADD/ADHD, Anxiety, Cultural & ethnic issues, Depression
Open-minded, Solution-oriented, Warm
Accepts 3 insurance carriers

Offers free consultationsView profile and book
Gabrielle McMurphy

Gabrielle McMurphy

Therapist

Virtual • North Carolina


“I take a client-centered, trauma-informed approach to therapy... creating a safe, non-judgmental space where you can explore your challenges at your own pace.”
Maternal mental health, ADD/ADHD, Anxiety, Chronic conditions, Depression
Empowering, Open-minded, Solution-oriented
Accepts 12 insurance carriers
Mary Summerlin

Mary Summerlin

Therapist

Virtual & in-person • Jacksonville, NC


“I am integrative in my approach to counseling and will use the interventions that will be most effective to address each difficulty that is presented.”
Maternal mental health, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Affirming, Empowering, Open-minded
Accepts 3 insurance carriers
Mary Ann Severson

Mary Ann Severson

Therapist

Virtual • North Carolina


I'm a licensed therapist with over 20 years of experience working with adults. I earned my Master's in Counseling from Liberty University. I specialize in anxiety, life transitions, and supporting individuals who feel overwhelmed or put a lot of pressure on themselves to hold everything together. My approach is collaborative and goal-oriented, and I see therapy as a partnership focused on creating meaningful, practical change.

Maternal mental health, Anxiety, Chronic conditions, Depression, Grief or loss
Holistic, Solution-oriented, Warm
Accepts 4 insurance carriers

Offers free consultationsView profile and book
Mindy Eglivitch

Mindy Eglivitch

Therapist

Virtual • North Carolina


“Drawing on 25 years of experience as a Licensed Clinical Social Worker, I offer a grounded, compassionate space where you can gain clarity and momentum.”
Maternal mental health, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Empowering, Holistic, Solution-oriented
Accepts 12 insurance carriers
Monyetta Howell

Monyetta Howell

Therapist

Virtual • North Carolina


“I believe healing happens in three dimensions — mind, body, and spirit — and that lasting change means tending to all of them, not just the surface.”
Maternal mental health, Anger management, Anxiety, Cultural & ethnic issues, Depression
Empowering, Humorous, Warm
Accepts 3 insurance carriers
Cynthia Dupree

Cynthia Dupree

Therapist

Virtual • North Carolina


“I meet you where you are, and we build from there. That might mean unpacking the roots of an addiction that nobody in your life understands.”
Maternal mental health, Anger management, Anxiety, Chronic conditions, Cultural & ethnic issues
Creative, Direct, Empowering
Accepts 6 insurance carriers
Amanda Lee

Amanda Lee

Therapist

Virtual • North Carolina


My name is Amanda, and my practice was founded based on the power of connection, empathy, and grace. I really believe in the therapeutic relationship and enjoy walking alongside my clients. My background is social work, as I have truly always valued helping people. I received my bachelor’s degree in social work, as well as my master’s degree in social work. I have experience working within the hospital setting, within community mental health, within the court and administrative system, as well as working within the health department. Additionally, I have experience working within residential treatment settings, working with high acuity clients. My true passion is mental health, and I am blessed to be able to focus my intentions on helping to serve clients in my community. . I enjoy working with clients on a variety of areas that include anxiety, depression, life adjustment, relationships, family dynamics, trauma, and obsessive compulsive disorder.

Maternal mental health, ADD/ADHD, Anger management, Anxiety, Cultural & ethnic issues
Creative, Empowering, Warm
Accepts 7 insurance carriers

Offers free consultationsView profile and book
Karen Piekarski

Karen Piekarski

Therapist

Virtual & in-person • Vilas, NC


With over 20 years of experience in the mental health field, I am passionate about guiding individuals on their journey to balance, mindfulness and joy. Throughout my career, I've had the privilege of working with diverse populations and addressing a wide range of mental health challenges. This journey has reinforced my belief that each person's path to well-being is unique and deserves a personalized approach.

Maternal mental health, Anxiety, Depression, Grief or loss, Panic disorders
Empowering, Open-minded, Warm
Accepts 4 insurance carriers
Catalina Valencia

Catalina Valencia

Psychiatric Mental Health NP

Virtual & in-person • Hampstead, NC


I am a dual board-certified Psychiatric-Mental Health Nurse Practitioner and Certified Nurse Midwife, with graduate education from Duke University and East Carolina University.

I am passionate about providing compassionate, evidence-based mental health care and have a special interest in supporting women across the lifespan, as well as veterans, military spouses, and children navigating anxiety, depression, ADHD, trauma, and life's many transitions.

My connection to the military community is both professional and deeply personal. In addition to my clinical training, I have spent more than 20 years as part of a military family. This experience has given me firsthand insight into the unique sacrifices, resilience, and often unseen challenges faced by service members and their loved ones. It has strengthened my commitment to providing care that is empathetic, respectful, and grounded in an understanding of military life.

For the past 12 years as a Certified Nurse Midwife, I have had the privilege of caring for women throughout every stage of life, supporting not only their physical health but also their emotional and mental well-being. It has been an honor to walk alongside women during some of their most meaningful and vulnerable moments, and I am grateful to continue that work by helping individuals achieve greater mental wellness and resilience.

Maternal mental health, ADD/ADHD, Anxiety, Chronic conditions, Depression
Empowering, Holistic, Solution-oriented
Accepts 7 insurance carriers
Alisha Sumter

Alisha Sumter

Therapist

Virtual • North Carolina


Life has a way of changing us, sometimes in ways we never expected. My passion is helping people navigate those moments with compassion, clarity, and confidence.

As a Licensed Clinical Mental Health Counselor (LCMHC), I believe healing isn't about becoming someone new—it's about reconnecting with the person you've always been beneath the stress, pain, burnout, or life transitions.

Whether you're struggling with anxiety, depression, overwhelming stress, relationship challenges, grief, substance use recovery, or simply feeling stuck, I provide a supportive, judgment-free space where you can be yourself. You don't have to have all the answers before you walk through my door.

My clients often describe me as genuine, compassionate, easy to talk to, and someone who isn't afraid to bring a little humor into the healing process. I believe therapy can be both meaningful and approachable. Sometimes the most powerful moments happen after we've laughed together.

Above all, I want you to know this:

You don't have to navigate life's journey alone.

Maternal mental health, Anger management, Anxiety, Cultural & ethnic issues, Depression
Humorous, Open-minded, Solution-oriented
Accepts 4 insurance carriers
Kristina Mills-Gregory

Kristina Mills-Gregory

Therapist

Virtual • North Carolina


“Goals are specific to the individual, and we will set goals together. Each goal will be to work towards the overall goal of feeling better.”
Maternal mental health, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Affirming, Empowering, Open-minded
Accepts 15 insurance carriers
Colin Clayton

Colin Clayton

Therapist

Virtual • North Carolina


“You are not your depression, your anxiety, your trauma, nor must you live in shame believing that that is all you are.”
Maternal mental health, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Energetic, Humorous, Open-minded
Accepts 4 insurance carriers
Sarah Barkley

Sarah Barkley

Therapist

Virtual & in-person • Asheville, NC


I have been in private practice for 20 years with my specialty focusing on individuals resolving historic traumas and women balancing all of the complications of womanhood in a fast paced, demanding world. My style is informed from my diverse experience. I have worked in adolescent residential treatment, FBI consulting, an expert witness and a graduate school professorship; all the while working with my private practice clients. In the last several years, I have been sought out as a corporate consultant and speaker to discuss how our negative experiences and traumas shape our behaviors as high intensity professionals.

The untapped magnificence I see in my clients never ceases to inspire and amaze me. Anyone who is willing to do hard work is already a gift to this World! I've grown bored of many things in my life but this work....never!

Maternal mental health, Anxiety, Depression, Family issues, Identity issues
Challenging, Solution-oriented, Warm
Accepts 4 insurance carriers

Offers free consultationsView profile and book
Lauren Futrell

Lauren Futrell

Therapist

Virtual • North Carolina


“My goal is for you to feel heard and empowered. After the intake/initial session, I focus on skill building as a goal to help you feel like you can take something tangible away from therapy immediately.”
Maternal mental health, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Affirming, Open-minded, Solution-oriented
Accepts 5 insurance carriers
Saphia Shaffie

Saphia Shaffie

Therapist

Virtual • North Carolina


“My approach is grounded in Cognitive Behavioral Therapy (CBT), Narrative Therapy, mindfulness, and direct, solution-focused techniques.”
Maternal mental health, ADD/ADHD, Anxiety, Depression, Family issues
Direct, Empowering, Solution-oriented
Accepts 4 insurance carriers

Offers free consultationsView profile and book
Dr. Ekatherina Osman

Dr. Ekatherina Osman

Psychiatrist

Virtual • North Carolina


“I believe that the foundation of effective medicine is a collaborative partnership built on deep listening and mutual respect.”
Maternal mental health, ADD/ADHD, Anxiety, Chronic conditions, Cultural & ethnic issues
Holistic, Open-minded, Warm
Accepts 4 insurance carriers
Laurie Nicholson

Laurie Nicholson

Therapist

Virtual • North Carolina


“With over 20 years of experience within the neurodiverse and autism spectrum community, I bring deep expertise and compassion to every session, fostering a space where you can truly thrive.”
Maternal mental health, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Empowering, Open-minded, Solution-oriented
Accepts 7 insurance carriers
Rocio Lozano-Arciniegas

Rocio Lozano-Arciniegas

Therapist

Virtual • North Carolina


“My approach is collaborative, empathetic, and culturally sensitive, shaped by years living in Colombia, Egypt, India, and the U.S.”
Maternal mental health, ADD/ADHD, Anxiety, Cultural & ethnic issues, Depression
Inquisitive, Open-minded, Warm
Accepts 5 insurance carriers
Courtney Jost

Courtney Jost

Therapist

Virtual • North Carolina


“I believe that the client is the expert on themselves. With that said, I intend to walk alongside you in your therapeutic journey.”
Maternal mental health, Anxiety, Depression, Family issues, Grief or loss
Inquisitive, Open-minded, Warm
Accepts 5 insurance carriers
Jennifer Turner-Taylor

Jennifer Turner-Taylor

Therapist

Virtual • North Carolina


“My approach is practical, collaborative, and compassionate. I blend evidence-based therapy with real-world career and workplace insight so sessions feel useful, not abstract.”
Maternal mental health, ADD/ADHD, Anxiety, Chronic conditions, Cultural & ethnic issues
Empowering, Open-minded, Warm
Accepts 5 insurance carriers

Offers free consultationsView profile and book
Danielle Whittington

Danielle Whittington

Therapist

Virtual • North Carolina


“As a therapist for the past 18 years I have dedicated my life to being the best at helping people go from stuck to thriving, anxious to calm, hopeless to hopeful.”
Maternal mental health, Anxiety, Depression, Family issues, Grief or loss
Open-minded, Solution-oriented, Warm
Accepts 9 insurance carriers
Heart Wilson

Heart Wilson

Therapist

Virtual • North Carolina


“As a strength-based, person-focused therapist, I seek to cultivate a therapeutic relationship based upon collaboration, unconditional positive regard, and authentic human connection.”
Maternal mental health, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Empowering, Solution-oriented, Warm
Accepts 7 insurance carriers
Brittany Jones

Brittany Jones

Therapist

Virtual • North Carolina


My desire is to create a safe, non-judgmental environment to aid in facilitating change and growth. Whether you're going through a life transition or relational strain, anxiety or depression, my goal is to empower you to find the tools within yourself to initiate a positive transformation within your life and relationships. Let's focus on navigating and guiding you through the change process to cultivate a deeper self awareness to discover a more peaceful state of mind.

Maternal mental health, Anxiety, Depression, Family issues, Panic disorders
Empowering, Open-minded, Warm
Accepts 6 insurance carriers

Offers free consultationsView profile and book
Melissa Mojica

Melissa Mojica

Therapist

Virtual • North Carolina


“I've also spent many years helping people who struggle with anxiety, depression, grief, trauma, and substance abuse issues.”
Maternal mental health, Anger management, Anxiety, Chronic conditions, Depression
Empowering, Humorous, Open-minded
Accepts 5 insurance carriers
Stephanie Ehrlich-Seitz

Stephanie Ehrlich-Seitz

Therapist

Virtual • Raleigh, NC


I received My Bachelor's degree in Environmental Health Science because I care so much about the Earth and the creatures that inhabit it. But I soon realized that if I was not interacting with people (or animals) that the work I was doing seemed irrelevant.

Then caring for my terminally ill stepmother led me first towards nursing, then to Social Work.

Since getting my MSW, I have worked In a wide variety of settings ranging from domestic violence shelters to a medical hospital to a homeless day center. I believe that despite our varied backgrounds and beliefs, we are all good at the core and want to be physically and emotionally healthy in order to make the most of our lives. Some of us have learned bad habits by being told, or telling ourselves, that certain things are not possible or us and that is rarely the case.

Maternal mental health, Anger management, Anxiety, Chronic conditions, Depression
Direct, Humorous, Warm
Accepts 4 insurance carriers
Hilary Hales

Hilary Hales

Therapist

Virtual • North Carolina


“With 7 years of experience as a Social Worker, I specialize in supporting military caregivers, young moms, young adults dealing with changes, parenting challenges and teens (ages 16+).”
Maternal mental health, Anger management, Anxiety, Chronic conditions, Depression
Empowering, Solution-oriented, Warm
Accepts 6 insurance carriers

Offers free consultationsView profile and book
Jennifer Schmidt

Jennifer Schmidt

Therapist

Virtual • North Carolina


Are you feeling stuck? Frustrated? Having a difficult time navigating changes in your life? I am here to help!

I have been in social work practice for over 12 years now. I have worked with various populations including those who are dealing with life stressors, in crisis, dealing with chronic illness, grief/loss, difficulty adjusting to life transitions, trauma and stress. I approach my clients with respect and with an open mind!

Maternal mental health, Anxiety, Chronic conditions, Depression, Grief or loss
Open-minded, Solution-oriented, Warm
Accepts 7 insurance carriers
Hillary Anderson

Hillary Anderson

Therapist

Virtual • North Carolina


“While I have spent 14 years in the community helping adults navigate a variety of mental health issues, some of my most meaningful work was the years I spent working in an OB/GYN clinic, supporting women through reproductive transitions.”
Maternal mental health, Anxiety, Bipolar disorder, Depression, Grief or loss
Direct, Inquisitive, Warm
Accepts 5 insurance carriers
Dr. Hurey Hughes

Dr. Hurey Hughes

Therapist

Virtual • North Carolina


“My therapeutic style is warm, compassionate, and direct. I strive to balance empathy with practical, evidence-based strategies that help clients create meaningful and lasting change.”
Maternal mental health, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Empowering, Solution-oriented, Warm
Accepts 7 insurance carriers

Offers free consultationsView profile and book
Kateryna Chorna

Kateryna Chorna

Therapist

Virtual • North Carolina


“I specialize in helping adults who struggle with anxiety, depression, and trauma to manage their negative emotions so they feel safer, calmer, and more in control of themselves and their lives.”
Maternal mental health, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Affirming, Empowering, Holistic
Accepts 5 insurance carriers
Dr. Vanessa Gonzalez

Dr. Vanessa Gonzalez

Therapist

Virtual • Mooresville, NC


“I don't believe in one-size-fits-all therapy or "quick fixes." Instead, I offer a thoughtful, steady space for self-understanding, self-compassion, and sustainable change.”
Maternal mental health, ADD/ADHD, Anxiety, Depression, Family issues
Inquisitive, Open-minded, Warm
Accepts 11 insurance carriers

Offers free consultationsView profile and book
Destini Bishop-James

Destini Bishop-James

Therapist

Virtual • North Carolina


I’m a Licensed Clinical Social Worker and Certified Financial Social Worker who helps clients navigate anxiety, depression, relationships, and major life transitions. My goal is to create a safe, judgment-free space where healing and growth can take place. I believe that emotional and financial health are deeply connected, and I help clients build healthier relationships with both themselves and their money. My approach is compassionate, practical, and rooted in empowerment and self-awareness.

Maternal mental health, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Empowering, Solution-oriented, Warm
Accepts 9 insurance carriers
Veronica Cox

Veronica Cox

Therapist

Virtual • North Carolina


“I believe a strong therapeutic relationship is the foundation of effective counseling, and I strive to create a supportive environment where clients can explore challenges, build resilience, and achieve personal growth.”
Maternal mental health, ADD/ADHD, Anger management, Anxiety, Bipolar disorder
Empowering, Open-minded, Warm
Accepts 5 insurance carriers

About our therapists who support maternal mental health in Charlotte, NC

Number of therapists serving Charlotte, NC
There are over 807 therapists in Charlotte, NC accepting new patients.
807+
Average years in practice
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9 years
Top specialties offered
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  • 100%Maternal mental health
  • 99%Anxiety
  • 95%Depression
  • 94%Stress management
  • 89%Women's issues
Insurances accepted
Watercolor illustration of insurance cards
  • 98%Aetna
  • 93%Cigna
  • 87%Carelon Behavioral Health
  • 62%Blue Cross and Blue Shield of North Carolina
  • 48%Horizon Blue Cross and Blue Shield of New Jersey
Languages spoken
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  • 100%English
  • 5%Spanish
  • 1%Hindi
  • 1%Haitian Creole
  • 1%Mandarin
How they see their clients
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  • 86%Online only
  • 14%In-person or online
Provider gender
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  • 95%Woman
  • 5%Man
License types
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  • 45%Licensed Clinical Social Worker
  • 34%Licensed Clinical Mental Health Counselor
  • 10%Nurse Practitioner
  • 4%Licensed Marriage/Family Therapist
  • 2%Licensed Clinical Mental Health Counselor Supervisor
Treatment approaches
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  • 100%Individual therapy
  • 35%Family therapy
  • 26%Couples therapy
  • 16%Child or adolescent therapy

Frequently asked questions

Therapy Chair

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Find an expert who truly understands maternal mental health

Headway helps you find expert-guided support for every stage of motherhood — from finding the right therapist or psychiatrist, to understanding costs, to scheduling with ease.

Factors to Consider When Choosing a Postpartum Therapist in Charlotte

Finding postpartum therapists in Charlotte starts with choosing someone who has experience with perinatal mental health concerns. Postpartum support can include care for postpartum depression, postpartum anxiety, birth-related stress, identity shifts, pregnancy loss, and relationship strain. As you compare therapists, look for specialties that match your needs, such as perinatal mental health counseling, postpartum counseling, pregnancy therapy, or therapy for new parents. A perinatal mental health certification, often listed as PMH-C, can also signal added training in care during pregnancy and after birth.

Charlotte has many therapy options across neighborhoods like Uptown, South End, NoDa, Dilworth, and Ballantyne, which can make it harder to narrow the search. For new parents, practical details matter. An unpredictable schedule, infant care, physical recovery, commute time, and appointment format can all shape which therapist is a usable fit. Virtual care can make access easier when leaving home is harder, while in-person sessions may work better if you prefer a dedicated space. Read therapist bios before booking to understand their approach, session style, availability, and whether they offer a free phone consultation.

Therapy in Charlotte can be a significant expense without insurance. Using in-network insurance is one of the most reliable ways to reduce session costs and see your estimated cost before you book. Headway helps you search for postpartum mental health therapists in Charlotte who are accepting new patients, and many accept insurance. You can compare therapists by specialty, availability, session format, and bio, then book directly when you’re ready.

Find a provider - your way

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