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Telehealth therapy · Anywhere in Florida

Fees & Insurance

Grab your insurance card, find your plan below, then book online

Find your planBook a Session (opens in a new tab)
  • Florida LCSW, license SW27230
  • Secure video sessions
  • In network with Aetna, Cigna, Medicare, and more

Start with the name on your insurance card

Find your plan

  • In network
  • Coming soon
  • In progress
  • On the waitlist

Insurance plans

  • AetnaIn network
  • AmbetterComing soon
  • Ascension (SmartHealth)In network
  • AvMedComing soon
  • Blue Cross Blue Shield / Florida BlueIncludes the Federal Employee Program (FEP) and out-of-state Blue Cross Blue Shield plans through BlueCardComing soon
  • Carelon Behavioral HealthIn network
  • CentivoComing soon
  • CignaIncludes EvernorthIn network
  • CurativeIn network
  • Employer plans that use the Aetna or Cigna networkRun by administrators such as Meritain Health, Personify Health, Allegiance, EBMS, Trustmark, and Lucent HealthComing soon
  • Firefly HealthComing soon
  • Imagine HealthComing soon
  • OscarComing soon
  • OxfordOn the waitlist
  • Partners Direct HealthComing soon
  • Sana BenefitsComing soon
  • Sidecar HealthComing soon
  • UnitedHealthcare and OptumIncludes UMR, Surest, GEHA, Golden Rule, All Savers, UnitedHealthcare Student Resources, and UHC Shared ServicesComing soon

Medicare

  • Original Medicare (Part B)Participating provider · I accept assignmentIn network

How Medicare works when you see me

Medicare Advantage plans

Medicare Advantage is its own thing. I can be in network with a company’s regular plans and still not be in network with its Medicare Advantage plans. Aetna is a good example. I accept Aetna, but not Aetna Medicare Advantage yet.

  • Aetna Medicare AdvantageIn progress
  • Devoted Health Medicare AdvantageIn progress
  • Florida Blue Medicare AdvantageIn progress
  • Humana Medicare AdvantageEst. November 16, 2026Coming soon
  • UnitedHealthcare Medicare AdvantageIn progress

What’s covered comes down to your specific plan, and your benefits get checked when you book. The coming soon dates are the insurance companies’ estimates, and they can change. When a plan is approved, I update this list.

Don’t see your plan?

Private pay

Private pay may be an option. It isn’t available if you have Medicare or a Medicare Advantage plan.

How private pay works

Not sure?

Call 754.400.0824 and we’ll sort it out together.

Four ways to book

Which booking path is yours?

Commercial insurance

Aetna, Cigna, Carelon, Ascension, Curative, and more

Book on Zocdoc (opens in a new tab)

Original Medicare

When you book, pick Medicare as your insurance

Book on Zocdoc (opens in a new tab)

Employer benefit or Tava plan

You use the free employer sessions first, then your insurance

Opening soon

Private pay

Billed through Headway. Not an option for Medicare members

Book on Zocdoc (opens in a new tab)

Costs, minus the jargon

What will I actually pay?

Copay
A set amount you pay each session, say $30.
Deductible
The amount you cover yourself each year before insurance starts chipping in.
Coinsurance
Once the deductible is met, you pay a percentage, like 20%.
Out-of-pocket maximum
The most you’ll pay in a year. Once you reach it, your plan pays 100%.

Here’s an example (made‑up numbers)

Picture a plan with a $500 deductible and 20% coinsurance, where the plan’s rate for one session is $150.

  • You pay the full $150 per session until you’ve put $500 toward this year’s deductible.
  • From then on, you pay 20%, so $30 a session.
  • Original Medicare works the same way. In 2026 the deductible is $283, then you pay 20%, and a Medigap plan may cover that 20%.

Once you add your insurance, Headway puts a cost estimate in your account before your first session, so you aren’t guessing.

What to ask when you call your insurance

  • Do I have outpatient mental health benefits for telehealth?
  • What is my copay or coinsurance for therapy (CPT codes 90837 and 90834)?
  • How much of my deductible have I met this year?
  • Is James Roberts, LCSW, in network for my plan?

Made-up numbers, for illustration only

Watch a deductible fill up

Using the same made-up plan, with a $500 deductible, 20% coinsurance, and a $150 session rate, the receipt below prints what you’d pay one session at a time.

Your own numbers will depend on your plan. Headway shows your cost estimate in your account once you add your insurance, before your first session.

Example receipt$500 deductible · 20% coinsurance · $150 session rate
  1. Session 1Full rate, counts toward your deductible$150
  2. Session 2Full rate, counts toward your deductible$150
  3. Session 3Full rate, counts toward your deductible$150
  4. Session 4$50 finishes the deductible, then 20% of the rest$70
  5. Session 520% coinsurance$30
  6. Session 620% coinsurance$30

Six sessions$580

Once the deductible is done, it’s $30 a session until you hit your out-of-pocket maximum.

If you have Original Medicare

Medicare

I’m a participating provider with Original Medicare (Part B). That means I accept Medicare’s approved amount, and I’m the one who bills Medicare, not you.

For 2026, you pay the Part B deductible of $283 first. After that, your share is 20% of the Medicare-approved amount. A Medigap (supplemental) plan, if you have one, may cover some or all of that 20%.

Because I participate in Medicare, I cannot accept private pay from Original Medicare members for covered therapy. Medicare Advantage is a separate set of plans, and my applications for those are still in progress.

The full rundown on Medicare and video therapy

Same rules for everyone

Cancellations and missed sessions

Plans change, and that’s fine. If you need to cancel or reschedule, let me know at least 24 hours ahead.

A late cancellation or a missed session costs a $50 fee. That’s the same for everyone, no matter what insurance you have, and it comes out of your pocket because insurance and Medicare never pay this fee.

On an employer benefit through Tava? Then a missed session uses up one of your session credits instead of costing you a fee.

A frozen video or dropped Wi-Fi never counts as a missed session.

Four steps, start to finish

How booking works

  1. 1

    Head to my scheduling page.

  2. 2

    Add your insurance, then grab a time that fits your week.

  3. 3

    Your sessions get billed to your insurance.

  4. 4

    We meet by secure video, wherever you are in Florida.

About your statements: billing runs through the insurance partner that handles your plan, so don’t be surprised to see Headway on your statements instead of my name.

Book a Session (opens in a new tab)

If your insurance doesn’t cover me

How private pay works

When your insurance doesn’t cover me, private pay may be an option. Those sessions are billed through Headway, and booking works the same as it does for everyone else, on my scheduling page (opens in a new tab). If you’d like to talk it over first, call my secure line at (754) 254-2193.

Private pay is not available for Medicare or Medicare Advantage plans. Because I participate in Medicare, Original Medicare members cannot pay privately for covered therapy.

Your right to a Good Faith Estimate

You have the right to receive a Good Faith Estimate explaining how much your care will cost. Under the law, health care providers need to give patients who do not have insurance, or who are not using insurance, an estimate of the bill for items and services.

  • You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services.
  • Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your service. You can also ask your health care provider for a Good Faith Estimate before you schedule a service.
  • If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.
  • Make sure to save a copy or picture of your Good Faith Estimate.

For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises (opens in a new tab) or call 1-800-985-3059.

In brief

When it applies
Your insurance doesn’t cover me
Not available for
Medicare or Medicare Advantage plans
Your rights
A Good Faith Estimate of what your care will cost

Before you book

Worth knowing

  • One booking page for everyone.Insurance or private pay, you pick your time on my scheduling page (opens in a new tab).
  • The plan list keeps growing.When a plan is approved, I add it here. If yours says coming soon, check back.
  • Medicare Advantage is separate.I can be in network with a company’s regular plans and still not be in network with its Medicare Advantage plans.
  • You need to be in Florida during sessions.My license (LCSW SW27230) is a Florida license, so you have to be physically in the state each time we meet.

This page is not for emergencies. If you are in crisis, call or text 988, or call 911.