Does my insurance cover therapy in Massachusetts?

Today, most plans include [some sort of coverage for mental health care](https://headway.co/clients/understanding-health-insurance). You can check your mental health coverage for your current plan by doing any of the following: - Enter your insurance plan details on [Headway](https://headway.co) to see if we can instantly verify - Visit your insurance company's website or app - Review your EOB (explanation of benefits) and look for details on "behavioral health benefits" - Call your insurance company directly to ask

How much will my therapy session cost in Massachusetts?

Once you select a therapist and enter [your insurance details](https://headway.co/clients/understanding-health-insurance), we'll verify your insurance and estimate your in-network session costs. Because we partner with 70+ of the nation's top insurance plans, we're able to provide you with accurate estimates before you even book.

How do I find a therapist in Massachusetts who accepts my insurance?

Select your state and insurance on [Headway](https://headway.co) — then, use filters to add any other preferences such as ethnicity, age, gender, and therapy style. We'll provide a list of providers who match your preferences and accept your plan, and you'll be able to review their profiles and book directly.

Which insurance plans does Headway accept in Massachusetts?

Headway therapists are currently able to accept Aetna, Blue Cross and Blue Shield (in select states), Cigna, Oscar, Oxford, United Healthcare, and all Optum affiliates. These larger insurance networks also administer mental health benefits for third-party insurance carriers, and often our providers are able to accept those, as well.

Do I have to pay to use Headway?

No, it doesn't cost anything to find a therapist on Headway. Once you're ready to book, we'll find [your mental health benefits](https://headway.co/clients/understanding-health-insurance) and show you a price estimate per session. You won't be charged until after the session.

When am I going to be charged?

A few days before [your first session](https://headway.co/clients/first-therapy-session), we'll verify your account has enough funds by placing a temporary hold on your payment method. This hold will be the same amount as your estimated cost and will have "Headway" as the statement description. After your session, we'll cancel this hold and issue a charge for the estimated cost.

How do I pay for my care?

You can pay by card (credit, debit, HSA, FSA, or HRA Card) or by connecting your bank account. After a session, your therapist will confirm the details and we'll bill your payment method on file. We're able to bill you at the time of service because our system reads your benefits in real time (vs. waiting for your claim to process).

Are video visits with a therapist online covered by my insurance?

Most insurance plans will cover telehealth services (video visits). When you add [your insurance details](https://headway.co/clients/understanding-health-insurance), we can help determine if telehealth is covered by your specific plan.

Are all the clinicians on Headway licensed?

Yes, all clinicians on Headway are required to be fully licensed. Headway clinicians include talk therapists (LMHC, LCSW, LMFT, Counselor, LPC, LP, LCAT, and Psychologist) and medication management providers (Psychiatrists, Nurse Practitioners, MDs, and DOs).

Is online therapy more affordable than in-person therapy?

It depends. If you're using insurance, online and in-person therapy often cost about the same, [based on your coverage and provider network](https://headway.co/clients/understanding-health-insurance). Some find online care more convenient and accessible. With Headway, you can find therapists who accept your insurance and get a cost estimate before you book.

Is there a difference between a therapist, counselor, or psychiatrist?

Yes. “Therapist” and “counselor” are general terms for professionals who provide talk therapy for mental health challenges. Their titles may vary based on training and licenses. A psychiatrist is a medical doctor who can diagnose conditions, prescribe medication, and sometimes offer therapy. On Headway, you can find both therapists and psychiatrists to support your needs.

What can I expect at my first therapy session?

In your first session, think of it as an opportunity for you and your therapist to get to know each other. They'll likely ask about what brought you to seek therapy and about your goals. Together, you'll figure out what works best for you, and set a comfortable rhythm for sessions that follow. Not sure where to start? Headway's directory makes it easy to find a therapist who fits your needs and takes your insurance, helping you feel confident walking into your first session. Explore therapists in Massachusetts and view their profiles for more information on who they are and how approach their sessions.

Is virtual therapy with a Massachusetts therapist an option for me if I’m located in a different state?

There are a few factors the determine if you can see a provider in Massachusetts from your state. First, Massachusetts and your state must be reciprocity states, which is an agreement that effectively allows a licensed professional to "transfer" their license to the other state. Additionally, the provider must go through the reciprocity licensing process. Headway's directory shows you all of the providers licensed in Massachusetts, making it easy to tell which providers you can see virtually from your location. Individual provider's profiles provides information on where they're located and what modalities they offer.

What therapy types do Headway's therapists offer?

Headway's network includes a range of therapy styles—think Cognitive Behavioral Therapy (CBT), Dialectical Behavior Therapy (DBT), and more. There are therapists trained in everything from solution‑focused work to trauma-informed or family therapy. With Headway, you can explore and connect with therapists in Massachusetts who matches your needs. Use Headway's directory to find someone who offers the kind of care you're looking for, in a way that resonates with you.

Find a therapist in Massachusetts — covered by insurance

Kimberly Keeks

Psychiatric Mental Health NP

Virtual • Massachusetts

“I value honest, candid, and direct communication because clear conversations lead to better outcomes.”

ADD/ADHD, Anger Management, Anxiety, Bipolar Disorder,

Direct, Empowering, Open-minded

Accepts Aetna, United Healthcare, Cigna,

View profile and book

Zakia Simpson

Therapist

Virtual • Kennesaw, MA

“I have a passion for people not feeling alone, challenging unproductive behaviors and thoughts, processing trauma...”

Anger Management, Anxiety, Bipolar Disorder, Depression,

Empowering, Solution-oriented, Warm

Accepts Aetna, Cigna, Carelon Behavioral Health

View profile and book

Christine Bile

Therapist

Virtual • Massachusetts

“Before private practice, I served as a medical social worker in emergency rooms and a Level-One Trauma Center, supporting people through their most critical moments.”

Anxiety, Depression, Family Issues, LGBTQIA+,

Empowering, Open-minded, Warm

Accepts Aetna, Cigna, Carelon Behavioral Health,

Offers free consultationsView profile and book

Dr. Ralph Sperry

Psychologist

Virtual • Amherst, MA

“I have been a practicing psychologist specializing in psychotherapy for 40 years, I am highly experienced.”

ADD/ADHD, Anxiety, Bipolar Disorder, Depression,

Inquisitive, Solution-oriented, Warm

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, Cigna,

View profile and book

Amanda Sipiczky

Therapist

Virtual • New Port Richey, MA

“I work with adults across Florida and Massachusetts who are navigating trauma, PTSD, anxiety, and life transitions.”

Anxiety, Depression, OCD, PTSD,

Empowering, Holistic, Warm

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

View profile and book

Katherine Tigelaar

Therapist

Virtual • Massachusetts

“My goal is to create a warm, comfortable space where your child feels truly heard and understood, while giving them practical, real-world tools to thrive both at school and at home.”

ADD/ADHD, Anxiety, Depression, PTSD,

Creative, Empowering, Warm

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, Cigna,

Offers free consultationsView profile and book

Bryna Hackett

Therapist

Virtual • Massachusetts

“My hope is that you leave each session feeling a little lighter, equipped with practical tools, and a bit more hopeful about what's ahead.”

ADD/ADHD, Anxiety, Depression, Family Issues,

Affirming, Empowering, Open-minded

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, Cigna,

View profile and book

Maura Mc Mann

Therapist

Virtual & in-person • 29 mi away

195 Whiting Street, Hingham, MA

As your therapist I will work alongside you to help you learn to identify your emotions, learn healthy ways to express yourself, and healthy and effective ways of communicating with others. Together we will also identify your strengths as well as possible unhealthy thinking or behavioral patterns and how they relate to your everyday experiences and emotions.

Anger Management, Anxiety, Depression, Substance Abuse / Addiction,

Empowering, Inquisitive, Solution-oriented

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, United Healthcare,

Offers free consultationsView profile and book

Flora DePaiva

Therapist

Virtual • Massachusetts

“I am a seasoned, culturally sensitive, empathic, and holistic mental health therapist providing trilingual therapy services in English, Spanish, and Portuguese.”

Anxiety, Depression, Family Issues, Grief or loss,

Affirming, Empowering, Holistic

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

Offers free consultationsView profile and book

Shamni Uthayasoorian

Therapist

Virtual • Boston, MA

“Over the past six years, I've had the privilege of working as a therapist in diverse settings, including outpatient, inpatient, residential, and group home programs.”

ADD/ADHD, Anxiety, Bipolar Disorder, Depression,

Empowering, Humorous, Solution-oriented

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, United Healthcare,

Offers free consultationsView profile and book

Aysla Soares

Therapist

Virtual • Massachusetts

“Clients can expect me to be direct, open-minded, and supportive, while also bringing a sense of humor into the work we do together.”

ADD/ADHD, Anger Management, Anxiety, Bipolar Disorder,

Direct, Holistic, Open-minded

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, Cigna,

Offers free consultationsView profile and book

Jennifer Trites

Therapist

Virtual • Massachusetts

“My approach to counseling is to use cognitive-behavioral therapy that is client driven and focuses on gaining awareness of thinking mistakes and cognitive distortions.”

ADD/ADHD, Anger Management, Anxiety, Bipolar Disorder,

Affirming, Humorous, Inquisitive

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, Cigna,

Offers free consultationsView profile and book

Sarah Flatin

Therapist

Virtual • Massachusetts

As an independently licensed clinical social worker, I believe in meeting people where they are. I am glad you made it here. I've been practicing for several years, having made the shift from community based work to telehealth a few years ago. I specialize in working with adults experiencing symptoms of Anxiety, Depression, PTSD, and ADHD.

ADD/ADHD, Anxiety, Depression, Family Issues,

Empowering, Open-minded, Warm

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

View profile and book

Sophia Bartone

Therapist

Virtual • Boston, MA

“I view therapy as a meaningful investment in yourself, a time dedicated to understanding your feelings, deepening your connection with yourself, and fostering personal growth.”

ADD/ADHD, Anxiety, Depression, Family Issues,

Direct, Empowering, Warm

Accepts Aetna, United Healthcare, Cigna,

View profile and book

Melissa Bugeau

Therapist

Virtual • Nashua, MA

“My approach is collaborative and compassionate — I meet clients where they are and help them build the skills and confidence to reach meaningful goals at their own pace.”

Anxiety, Depression, Family Issues, Grief or loss,

Inquisitive, Open-minded, Warm

Accepts Aetna, Cigna, Carelon Behavioral Health,

View profile and book

Brianna Huard

Therapist

Virtual • Massachusetts

“My style is warm, authentic, and collaborative, and I strive to create a space where clients feel comfortable showing up as themselves without fear of judgment.”

Anxiety, Depression, Grief or loss, Relationship Issues

Empowering, Humorous, Warm

Accepts Aetna, Harvard Pilgrim Healthcare

Offers free consultationsView profile and book

Carlos Covarrubias

Psychiatric Mental Health NP

Virtual & in-person • 15 mi away

769 Centre Street, Boston, MA

“My general goal of each session is to help you be more independent and powerful, to have more control and confidence, and to move in the most helpful direction.”

ADD/ADHD, Anger Management, Anxiety, Bipolar Disorder,

Affirming, Holistic, Open-minded

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, United Healthcare,

View profile and book

Allyson Good

Therapist

Virtual • Massachusetts

I have spent a majority of my training working across the lifespan from childhood to adulthood, and within family systems. I am trained in helping clients with stress and anxiety, obsessive-compulsive disorder, family conflicts, motivation, self-esteem, confidence, and depression. Some of the individuals that I work with are in recovery from eating and substance-related disorders. My clients often face school and work avoidance and may find it difficult to do things they once enjoyed.

ADD/ADHD, Anger Management, Anxiety, Bipolar Disorder,

Energetic, Open-minded, Warm

Accepts Blue Cross Blue Shield of Massachusetts, Harvard Pilgrim Healthcare

Offers free consultationsView profile and book

Amalid Roman

Therapist

Virtual • Massachusetts

“I'm a Licensed Mental Health Counselor who believes therapy should be a safe, supportive space where you feel heard and understood.”

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

Empowering, Participatory, Warm

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

Offers free consultationsView profile and book

Dr. Kathleen Mackenzie

Therapist

Virtual & in-person

127 West Rodney French Boulevard, New Bedford, MA

“I am trained in integrative mental health and functional medicine. The people who tend to seek me out are looking for something more comprehensive than talk therapy...”

ADD/ADHD, Anxiety, Bipolar Disorder, Depression,

Holistic, Solution-oriented, Warm

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, United Healthcare,

Offers free consultationsView profile and book

Dr. Victor Figuereo

Therapist

Virtual • Massachusetts

“My style is warm, collaborative, and strengths-based, so we'll move at your pace and you'll always have a say in the direction of our work.”

ADD/ADHD, Anger Management, Anxiety, Depression,

Affirming, Empowering, Warm

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

View profile and book

Ada Avila

Therapist

Virtual • Boston, MA

“I see my clients as the experts in their own body. Because of this, I try to take into consideration what works for them and what does not.”

ADD/ADHD, Anger Management, Anxiety, Depression,

Empowering, Solution-oriented, Warm

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, United Healthcare,

View profile and book

Monica Flowers

Therapist

Virtual • Tacoma, MA

“I believe therapy should be a place where you feel understood, challenged, and empowered to create meaningful change.”

Anxiety, Depression, Infertility, Maternal Mental Health,

Direct, Solution-oriented, Warm

Accepts Aetna, Cigna, Carelon Behavioral Health,

View profile and book

Moira Chiusano

Therapist

Virtual • Massachusetts

“My training and experience integrates a variety of modalities; Cognitive Behavioral (CBT), Acceptance and Commitment (ACT), Dialectical Behavioral (DBT)-informed, Solution-Focused, Humanistic, Motivational Interviewing (MI), Family Systems and...”

ADD/ADHD, Anger Management, Anxiety, Bipolar Disorder,

Open-minded, Participatory, Warm

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, United Healthcare,

Offers free consultationsView profile and book

Natasha Barrett

Therapist

Virtual • Massachusetts

“Having a supportive listener who understands what you're going through makes a difference in treatment.”

ADD/ADHD, Anger Management, Anxiety, Depression,

Creative, Empowering, Warm

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, United Healthcare,

Offers free consultationsView profile and book

Lawrence Flynn

Therapist

Virtual • Massachusetts

“I will specially tailor our interactions, dialog, and treatment plan to meet your unique and specific needs and goals.”

ADD/ADHD, Anxiety, Depression, OCD,

Empowering, Participatory, Solution-oriented

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, United Healthcare,

View profile and book

Dr. Anthony Ramirez

Psychiatrist

Virtual • Massachusetts

“I am direct and practical. I not only look at the psychiatric but also the medical aspect of the patient helping them to achieve and maintain overall health.”

Anxiety, Bipolar Disorder, Depression, OCD,

Affirming, Direct, Solution-oriented

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, United Healthcare,

Offers free consultationsView profile and book

Ana Carolina Vaughn

Therapist

Virtual • Auburn, MA

“My approach to therapy incorporates mindfulness, awareness, intuition, and Jungian style of therapy where the unconscious is brought to light through somatic and/or creative approaches.”

ADD/ADHD, Anger Management, Anxiety, Bipolar Disorder,

Creative, Empowering, Holistic

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

Offers free consultationsView profile and book

Emily Kulkarni

Therapist

Virtual • Massachusetts

“I draw from evidence-based practices such as EMDR, cognitive behavioral therapy, mindfulness, and insight-oriented techniques to help you build practical tools while also exploring the deeper roots of what you're experiencing.”

Anxiety, Depression, Family Issues, Grief or loss,

Empowering, Holistic, Warm

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

Offers free consultationsView profile and book

Aneesah Dambreville

Therapist

Virtual • Boston, MA

I am a licensed mental health clinician and a registered drama therapist in Massachusetts

Anxiety, Depression, Eating Disorders, Family Issues,

Direct, Empowering, Solution-oriented

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, United Healthcare,

Offers free consultationsView profile and book

Tiffani Simpson

Therapist

Virtual • Massachusetts

“I take a collaborative approach by talking to you and ensuring that your goals and needs are heard and understood.”

Anxiety, Depression, Family Issues, Relationship Issues,

Affirming, Open-minded, Solution-oriented

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, Cigna,

View profile and book

Sara Nordlum

Therapist

Virtual • Boston, MA

I’m an LCSW currently licensed in CT, MA, NH, and ME. I believe that therapy is most effective when it’s practical and empowering. Whether you’re managing anxiety, depression, life transitions or grief, I aim to create a safe and supportive space where growth and change feel possible. My role is not to “fix” but to walk with you to gain insight, develop tools and move towards the version of you that feels most authentic.

Anxiety, Depression, Grief or loss

Empowering, Open-minded, Solution-oriented

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, Aetna Medicare Advantage,

View profile and book

Michael Guerra

Therapist

Virtual • Massachusetts

“I know that your mind is always working hard, and that it sometimes takes slowing down and good humor, in addition to textbook interventions, to achieve the goals you are pursuing.”

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

Inquisitive, Solution-oriented, Warm

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, United Healthcare,

Offers free consultationsView profile and book

Nathan Taylor

Therapist

Virtual • Massachusetts

“All clients should expect a warm welcoming presence with high energy and excitement in bringing you to achieve your therapeutic goals.”

ADD/ADHD, Anger Management, Anxiety, Bipolar Disorder,

Energetic, Humorous, Solution-oriented

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, Cigna,

View profile and book

Sydney Linden

Therapist

Virtual • Massachusetts

“My approach to therapy is client-centered, compassionate, and trauma-informed. I integrate evidence-based practices like CBT, DBT, and Motivational Interviewing with holistic methods, including body-mind healing techniques.”

ADD/ADHD, Anxiety, Bipolar Disorder, Depression,

Empowering, Solution-oriented, Warm

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, United Healthcare

View profile and book

Jeremy Kasparian

Therapist

Virtual • Massachusetts

Are you struggling to find the motivation to meet your goals? Is it difficult to find joy in life? You do not have to face these challenges on your own. My mission is to help you rediscover your inner strength and reclaim control over your life.

ADD/ADHD, Anger Management, Anxiety, Depression,

Affirming, Solution-oriented, Warm

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, United Healthcare,

View profile and book

Dr. Alexander Powers

Psychiatrist

Virtual & in-person • 9.6 mi away

115 Mill Street, Belmont, MA

“I aim to create a warm, nonjudgmental space where we can explore, understand, and overcome the challenges holding you back.”

ADD/ADHD, Anger Management, Anxiety, Depression,

Empowering, Open-minded, Warm

Accepts Aetna insurance

Offers free consultationsView profile and book

Carrie Meuse

Therapist

Virtual • Massachusetts

“I feel passionate about helping clients rebuild their confidence, trust themselves, and advocate for their needs, while recognizing how systems of oppression around race, class, gender, and ability impact their lives.”

ADD/ADHD, Anxiety, Depression, Family Issues,

Creative, Empowering, Open-minded

Accepts Aetna, Harvard Pilgrim Healthcare, Providence Health Plan

View profile and book

Stephanie Brown

Therapist

Virtual • Massachusetts

“I especially like to incorporate humor into my sessions, along with creating a space that welcomes people however they are.”

Anxiety, Depression, Family Issues, Grief or loss,

Empowering, Holistic, Open-minded

Accepts Blue Cross Blue Shield of Massachusetts, Aetna, Cigna,

View profile and book

Yomaris Ramos Rivera

Therapist

Virtual • Massachusetts

“I believe therapy should be more than just a space to vent — it should help you understand yourself more deeply, break unhealthy emotional patterns, and create meaningful change.”

ADD/ADHD, Anger Management, Anxiety, Bipolar Disorder,

Empowering, Solution-oriented, Warm

Accepts Aetna, United Healthcare, Cigna,

View profile and book

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Features

Find a therapist in Massachusetts — covered by insurance

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Frequently asked questions

Does my insurance cover therapy in Massachusetts?

How much will my therapy session cost in Massachusetts?

How do I find a therapist in Massachusetts who accepts my insurance?

Which insurance plans does Headway accept in Massachusetts?

Do I have to pay to use Headway?

When am I going to be charged?

How do I pay for my care?

Are video visits with a therapist online covered by my insurance?

Are all the clinicians on Headway licensed?

Is online therapy more affordable than in-person therapy?

Is there a difference between a therapist, counselor, or psychiatrist?

What can I expect at my first therapy session?

Is virtual therapy with a Massachusetts therapist an option for me if I’m located in a different state?

What therapy types do Headway's therapists offer?

Find the right therapist for you

Find the right therapist for you